problem with old 3G contract

[buzby]

Challenge the accuracy of the defaults NOT placed on your account by 3UK. You have to have entered into an arrangement with the other firm, and them taking the debt from 3UK does not permit them to alter your file.

 

There is always the chance this is NOT the 3UK debt but another, so ask them to provide substantiation for their filing of defaults, and in the absence of this ask for removal in 28 days, or you'll take it to the ICO.

Edited October 11, 2009 by buzby

[buzby]

Did you know cncelling ANY mobile contract is a common problem? I dont think there is one network that has not had the same complaints levied at it as some time or other,

 

What you need to ask yourself is this; Why do I need a mobile contract? Once you realise you do not, life gets much simpler.

[buzby]

There's no requirement for them to send another 'bill' - only that they confirm your are required to pay them what they say is outstanding. (I'm assuming you mislaid the original bill they send back then). As you are not disputing the charge, you need to decide what you want to do.

 

Whether you pay or whether you do not, the marker will stay on your credit file regardless, and your only negotiating ploy is to get 3UK to agree to remove the default IF you pay in full. They may, or may not agree to this.

 

Finally, they do not have to advise you when passing your file out for collection to a third party firm. It is a courtesy, not a requirement.

[buzby]

Interesting. Did you ever have any agreement with HFO?

 

Irrespective of whether they are acting on 3UK's or their own behalf, they are not allowed to affect your credit file. I'd suggest that you contact them by Recorded Delivery, referring to the entry on your file and giving them 28 days to remove it. If they do not, you will instigate a formal complaint to the ICO, and seek damages from them if your request is not complied with immediately.

[buzby]

I can't help with the original problem, if you cannot back up your claim of giving notice, then you are on a loser as they have contract law on their side.

 

However, you only gave 3UK permission to disclose your financial dealings with them, nobody else, which is why HFO are not permitted to do anything. So, if 3UK don;t default you - nobody else can either (for the same debt) it doesn;t matter whether they sell it on or not, YOUR rights to data privacy are not assignable in the same way.