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T-Mobile, Hamptons Legal, Lowell Portfolio, Red Debt Collection


nicolam74
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Hi,

 

This is my first ever post so hope I do it right! I'm desperately looking for help regarding a debt I allegedly owe to T-Mobile. The history of it is that I had a T-Mobile contract in approximately 2003, after a year I changed to o2 and cancelled my T-Mobile contract. I will hold my hands up and admit that due to personal problems that I was having around this time I didn't pay the final payment for ages until they sent a debt collector round to my flat. I met him and paid the outstanding amount (around £30) and then thought no more about it. To the best of my knowledge (given how long ago it was) that was the end of it. This week I have received 3 letters all dated last month (2 from Hamptons & 1 from Red Letter) which were sent to an address I haven't lived at since 2005 so have only just reached me. All 3 say that I owe T-Mobile £85.30 and basically that if I don't pay up there will be court action, agents calling, bailiffs etc etc etc. I rang Hamptons and told them that I was disputing the debt and explained the history of it. They said that unless I could produce proof that the final payment was actually the final payment and not just an installment then I basically didn't have a leg to stand on. I disagreed with that and requested proof of the debt because as far as I am concerned I do not owe them any money. He said that the only information he had was that they had bought the debt in good faith from T-Mobile last month. I said he would have to get more information and send it to me and until they could provide proof of the debt I would continue to dispute it. He said he would find more information but in the meantime they would continue to chase the debt by way of ringing (they have an incorrect phone number so that's not a problem) writing and sending their agents round, they do have my correct address now so I'm scared sick that they'll come banging the door down.

 

Should I just pay the £85.30 to get them to leave me alone? Any advice gratefully received

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Absolutely DO NOT pay them a penny.

You have hit the nail on the head by saying that the debt is in dispute.

 

Second of all - NEVER PHONE these people again - things that are said on the phone can be denied later. Insist that they only contact you only in writing.

 

The fact that Hamptons bought the debt in good faith is Hamptons affair, not yours. Why should you care that they may have bought a debt that they cannot enforce? Just deserts in my opinion.

 

Don't worry - In order to send a baliff to your home, they will need a court order. It's unlikely that a court would order such an action whilst you dispute the debt.

 

I'd advise you to write to T-Mobile and ask for copies of both the original contract and a statement of account. Clearly state that you dispute the monies allegedly outstanding, and ask them to instruct 'the dogs' to cease their collection attempts, until an amicable resolution can be found.

Struggling_Simon vs Cabot - WON

Struggling_Simon vs Abbey - WON

Struggling_Simon vs HBOS - Pending

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Vigilantibus non dormientibus æquitas subvenit

Somper in excretia,som solem profundus variat.

 

 

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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