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  1. I've been contacted by CSL regarding an outstanding balance on my ex girlfriends phone contract (its in my name), after an escalating number of phone calls to my families home while I'm at university i issued the letter to ensure all contact is in writing which to my knowledge they have followed. I've contacted O2 today to pay the outstanding balance in full but was told that I'd have to contact CSL about it as the debt no longer belongs to them. I've read many of the posts on here about this company and am extremely wary about the way in which I pay them off. Whats the best way for me to approach this? Any help is much appreciated!
  2. Hi, I am an international student staying in UK for brief periods of 4-5 months every year. I unfortunately have a debt I owe O2 of 493£ from 3 years ago. I am in a bad shape now and am leading a hand to mouth existence. I recieved an e-mail recently from Lowell, offering me a settlement plan of a one time 290£. I was in my home country then and wrote back to them saying I may not come back to UK but would still settle for 150£ which is all i had in my UK account. They never responded to it. I am now in UK for a couple of months and I received a letter from RED asking for full payment or repayment option. I ignored it and have received a second letter now warning legal action. I am sorry about it but I dont have the money to pay them currently. I am going back to my home country for 4 months and am off next week. I will come back later in the year and will move in to a new address. Will they find me again and how do they do it? Also, will it show up on my Visa or when I return to the country, will I be quizzed by immigration? (sounds unlikely but am worried) Finally, can I hold on by evading them till I am ready to pay them? What wll be their future course of action? Please advice. Ed
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