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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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vodafone debt problem **SORTED**


Mamie
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Hi all

 

long time since I have posted hope you folks can help me again.:)

 

My son received a letter from vodafone for a debt of £60.46 he contacted them and told them he does not have a contract with them and never has, they informed him that they would pass it on to the fraud department.

 

Today he received a letter from vodafone stating that since they have not heard from him his mobile will be suspended due to an overdue payment.

 

If they dont hear from him the service will be permanentlydisconnected and an early termination fee of £184.71 will be added to his account, failure to pay this will result in a debt collection agency being instructed to collect this debt on behalf of us.

 

Could any of you draft me a letter to send to them as some of you know who have helped me before I am no good at that.:wink:

 

I have started this post here as no doubt no matter what is said this will be passed to a DCA.

 

mamie

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Hi Mamie,

 

Dear Sir or Madam,

 

I refer to your letter of date which suggested I owe VP an amount of £60.46. I do not acknowledge this debt.

 

If you check your records, you will see that I have never had a contract with VP. My mobile number is number and I have a Pay as You Go SIM.

 

I have now been threatened with debt collectors as well as having my phone service suspended.

 

Please check your records and confirm, in writing within 7 days, that I do NOT owe VP this amount and that my phone will not be suspended.

 

Any debt collection action you take in this matter will be vigorously defended and, if I suffer any loss as a result of your actions, I will issue proceedings to recover losses, etc through proceedings at my local County Court.

 

Yours faithfully,

 

Maimie's son

 

Send to VP by Rec'd Del'y or get a Certificate of Posting at the PO. Keep copies of all letters, etc in case they are needed.

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Hi Slick,

 

Thanks for your reply, I will send the letter tomorrow.

 

I forgot to mention the mobile number in their letter does not correspond with any mobile phone my son has had in the past and they have all been pay as you go, the number he has just now is for 02 pay as you go and has been for the last few years.

 

thanks again

 

mamie

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You're welcome.

 

Please add this as a final paragraph to the letter.

 

I also require your written confirmation that no adverse markers have been made to any Credit Reference Agencies, or that any such markers have been removed. Failure to comply will result in my taking action against you including, but not limited to, a formal complaint to the Information Commissioners Office.

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Hi Slick,

 

Received a letter this morning from Vodafone.

 

Thanks for your letter about the debt on your account.

 

Firstly please let me apologise for any concern that this matter has caused you.

 

This matter has now been investigated by our Fraud Department and they have confirmed that the balance on this account is not your liability.

 

I would like to confirm that the account has been cancelled and the balance will be written off. Please don`t worry about your credit file as any adverse information will be removed regarding this matter.

 

Once again I am sorry for any concern that has been caused but I hope this puts your mind at rest.

 

Best Wishes.

 

I thank you for your help Slick and I will file this letter away for future reference.

 

mamie.

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Hi Mamaie,

 

I wish they were all so simple. :D

 

However, further letter to VP as follows:-

 

Dear sir/madam,

 

Your ref no: xxxxxxxx

 

I thank you for your letter of xxth July but remain concerned about your following quote:-

 

"Please don`t worry about your credit file as any adverse information will be removed regarding this matter."

 

I do, of course, worry about any adverse information that may have been posted in this regard. I therefore require your written confirmation that you have checked for any such information and that any found HAS BEEN removed.

 

I look forward to hearing from you.

 

Yours faithfully,

Mamie

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Hi Slick,

 

I will send that tomorrow, I was also concerned about the start of the letter the debt on your account, no such debt or account exists.

 

After dealing with people like HFO you doubt every thing thats why I said I will file the letter for future reference.

 

Thanks again Slick. mamie

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Hi Mamaie,

 

Don't worry about the "debt on your a/c" wording in their letter. They know they are in the wrong and that the debt has nowt to do with your son. :)

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Hi Slick,

 

Received another letter from the faud department this morning.

 

Thank you for contacting Vodafone regarding the set up of a mobile phone account. This letter is to confirmthat we have concluded that the account was set up fraudulently. We have arranged for any money to be written off, and for the searches and defaults to be removed from your credit file.

 

You may find the website ########## a useful source of information about idntity fraud & impersonation. It includes details of how to protect your identity from further impersonation attempts. Please do not hesitate to contact us if you have any further questions.

 

Yours sincerely

#####

 

I have wrote the letter in post 7 will I still post it or is this letter from them enough.

 

mamie

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Hi Mamie,

 

I think their latest letter adequately covers the concern which I had so my last letter is now superfluous.

 

Maybe check that no markers remain on your son's credit record in 2 or 3 months.:)

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You're very welcome.

 

Title changed. :D

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  • 1 month later...

Hi all,

 

Sorry to say but it`s back again :mad: my son received a letter yesterday saying he owed Vodafone £64 32, he phoned them and told them that this was supposed to be sorted, that the fraud department said there would be no further contact, the person at the other end of the phone was insistant that there was an outstanding debt.

 

Could Slick or someone give me a letter to send.

 

thanks mamie

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Send them back a copy of the letter which says the fraud department has investigated and written off the balance and ask for a copy of their complaints procedure, follow this and then report them to the Office of Fair Trading.

 

I've had the same with Sky and an alleged debt being passed to the THIRD dca, Sky say 'its not us passing the info but they will inform their clients'.... Trading standards here I come again...

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Who did the demand come from this time?

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Hi slick,

 

The letter was the same as the first letter from vodafone but they have added a couple of pounds to it. The person my son spoke to said that he is still in the system and would not acknowledge the fact the fraud deparments decision of no further contact.

 

mamie

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Suggest you send another letter to Fraud Dep't telling them you require further confirmation that the debt has been written off as the debt coll'n dep't seem to think it's still payable.

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