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Following on from my post the other day about Ruthbridge, I rightly or wrongly applied to see my credit file from Experian, I didn't put my current address but used my previous address where I had been until 3 months or so ago, where my sister still lives. I didn't give them the phone number there.

Anyway I now have a letter arrived at my sisters from Red debt collection services who say they are a trading style of Lowell Financial. This is a debt that is from an O2 mobile phone contract. When I was with my ex husband I had 2 contracts from O2 on the same account one for each of us. When we seperated I cancelled his and told him to pay the balance. Clearly he never did and now it has come back on me. Its only for about £300 but I feel like I shouldn't have to pay this especially nearly 4 years on! He is currently travelling round Australia and I know he wouldn't give me the money for it anyway seeing as he won't even pay maintenance for his 3 yr old daughter! What can I do about this? They don't have my new address so should I tell my sister to send the letters back and hope I can avoid it for 2 years til its statute barred?

What with this and the Ruthbridge letter I feel like crying and giving in to them all! The worse thing is I'm 30 weeks pregnant and my partner is soooo against all kinds of debt. I'm hoping to sort this out before I tell him about it so at least I can go to him with a problem that I have solved not one he feels he has to deal with. All I want to do is sort them all out so that I don't have to worry, I will pay what I can afford but thats not going to be a lot as I've just left work for maternity leave and am not entitled to maternity pay. I completely accept that I have noone to blame but myself, I am a typical piscean and bury my head in the sand at the first sign of trouble but I really want to clear my name so I can move on without worrying about something else showing up.


Thank you in advance to anyone who got through that! This site is a godsend and I'll definately be donating!

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nothing to do with you



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Mummy2girls,

Were both accounts in your name?......

If not and your ex husband took the contract out on the phone then he is the one liable for the account.

You are not liable for your husbands debt.


If the contact is in your name then I would get your sister to send the letters back marked 'not known at this address'

The 'CCA' does not cover mobile phone contracts but if they do end up locating you at your new address you could ask them to prove you had a contract with them by sending the prove it letter......found here.....


This will give you a little more time to hold off making any payments and allow you time with your very young family without the constant demands. If they are able to show that you had a contract (which they may well be able to do) then you could come to an arrangement to pay small monthly payments that you can comfortably afford. You would be best to send an I & E statement along with your offer. You don't have to send any proof of income or expenditure with it, just a statement of your I & E, they have no right to demand any proof of you I & E. If they ask for proof of bills etc. just refuse to give any and repeat your I & E along with offer. Think of this little saying if you make an offer, "You can't get the knickers off a bare arse"


Alternatively you could write to them now explaining the situation, enclose I. & E. and offer a small monthly payment. Obviously its entirely up to you, this is just my opinion, but I would do the above.

Try not to let this get you down, I'm sure your new partner will be understanding about this account considering it was debt run up by your ex.

I have children so I know that pregnancy can make you very emotional, try and focus on the happy occasion of the new arrival thats on its way. Don't let these issues consume you, your family are the most important thing right now.

If you read the forum you'll soon get that nice feeling that you are not alone.

I see you've been given good advice on your other thread. Use the forum members as your support group, you'll find plenty of us willing to help & support.


Take care Cheers Q.x.

For attractive lips, speak words of kindness. For lovely eyes, seek out the good in people. For a slim figure, share your food with the hungry. For poise, walk with the knowledge that you never walk alone. People, even more than things, have to be restored, renewed, revived, reclaimed, and redeemed; never throw out anyone. Remember, if you ever need a helping hand, you will find one at the end of each of your arms. As you grow older, you will discover that you have two hands; one for helping yourself, and the other for helping others. :)

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Hi hun,

I'd keep your head down on this one..I'm guessing it's in your name but your husband ran it up?

Tell your sister to keep sending the letters back marked NOT AT THIS ADDRESS.

The 6 years Statute is under review to change it to 3 years, so depending how long they take rhubarbing about it and implementing it you might have a shorter time than you think to wait :)

Elsa x



Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:


All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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