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I got a letter from these debt collection agencies in an apparent debt from t-mobile? I have a default registered on my credit report about the 98 pounds balance, but the account has been closed since may 2008?

 

I got this letter and it says they have bought my debt from t-mobile in 2008 and as far as i can remember i have already paid some of this? I dont have a copy of the reciept or anyting cuz its been so long.

 

I have been told i need to contact them within 10 days or they will take me to court.

 

Luckily before ringing them i googled them and came across CAG (THANKFULLY)

 

I have read everyones problems with them on here and was planning on sending them Template letter N from the CCA.

 

Before doing that i thout i would ask on here so you experienced lot can help me out please.

 

All help will be appreciated:(

 

thanks

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A mobile phone contract would not be covered under a CCA request, so would serve no purpose sending one.

 

DO NOT under any curcumstances telephone Lowells, they will tell you anything to extort money from you, regardless of wether you owe it or not.

 

I would send them a 'Prove it' letter and wait and see what documentation they send back.

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Hello and Welcome, blastermaster.

 

Sending letter 'N' won't do much good I'm afraid as Mobile phone contracts are not coverde by the CCA.

 

Have a look at this 'link'....................

 

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/70464-mobile-phone-companies-consumer.html

 

I'd be tempted to send them the 'prove it' letter................

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

 

 

Regards.

 

Scott.

 

 

**Beat me to it Alf**

 
 

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oh thats good i posted here first then. Ive clicked on your 'Prove it' letter link maroon but it seems to take me to the main forums page?

 

EDIT::: Got It now

 

 

so should i just send this off and wait for a reply? what is the common reply i am looking to get?

thanks

Edited by blastermaster
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oh thats good i posted here first then. Ive clicked on your 'Prove it' letter link maroon but it seems to take me to the main forums page?

 

EDIT::: Got It now

 

 

so should i just send this off and wait for a reply? what is the common reply i am looking to get?

thanks

 

They have to prove that you owe the debt.

 

Otherwise, I'll send you a letter telling you that you owe me £500.

 

Remember that these companies have NO legal redress over you at all.

 

The postman has more powers than these parasites.

 

Jogs

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  • 1 month later...

Hi all, just to update on this matter. Since sending them a 'Prove IT' letter i have recieved three letters from Lowlifes.

 

First letter stated that they would contact t-mobile to get the statements for my account.

 

2nd letter sed they are still trying to get the statements

 

and recieved a third letter today saying they are still waiting on the statements and my account is on hold.

 

Now this has been near enough 2 months, so my question was, is there a time limit as to how long they have to get me the statements? Its been more then a month for sure.

 

Was just wondering.

 

Thanks for all your help thus far:)

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If the Leeds Losers ever produce statements then write to them asking for proof that a written contract exists between you and TMobile as well as asking for proof that the debt has been properly assigned to them in accordance with S136 of the Law of property Act 1925

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Lowlifes are such incompetent fools...:lol::lol::lol:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Lowlifes are such incompetent fools...:lol::lol::lol:

 

That is an outrageous slur on incompetent fools like me!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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That is an outrageous slur on incompetent fools like me!

 

Agreed, I take it back, for 72 Hours, and this message will remain valid even if not read by you, or if you choose not to read it.:p

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Lowells are on a bit of a purge at the moment had a few letters regarding a statute barred debt (statue barred by 11 years). Also had a couple of calls to my parents address where I am for Christmas, I never answer them as there is always the long pause before anyone speaks which is a dead give away.

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I never answer them as there is always the long pause before anyone speaks which is a dead give away.

 

What!:eek:! Not even to bait them, such a great british past time, DCA Baiting, we should use the horses and hounds on DCA's now they have been banned from Fox Hunting..........DCA Hunting:cool:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 months later...

ok folks, recieved a letter from them about a month ago saying they have not managed to get any statements so they are closing the account which i thought was a success.

 

Just recieved a letter from them showing a statement which they recieved from t-mobile from december 2007 showing an outstanding amount. I have no knowledge of me not paying this. Im sure i have done. Wat can i do now? Should i call them or pay?

 

cheers

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ok folks, recieved a letter from them about a month ago saying they have not managed to get any statements so they are closing the account which i thought was a success.

 

Just recieved a letter from them showing a statement which they recieved from t-mobile from december 2007 showing an outstanding amount. I have no knowledge of me not paying this. Im sure i have done. Wat can i do now? Should i call them or pay?

 

cheers

 

Ignore the muppets. They still havent sent anything proving you had a written contract with t-mobile

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If you had to sign something then that is the paperwork that will be their proof. Anything else they send is irrelevant.

 

Did you get the contract online ( Ticking a box to agree) or did you have to sign something?

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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Clutching at straws, times are tight, and they need every penny they can get, should have saved their pocket money mummy gives them..;-)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Or bait them and ask if they can bring the legal action forward, as your quite impatient:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Al companies in the Lowlife group just pass a debt around their office and use a different trading name in an attempt to confuse.

They sent me a copy of a statement they had made up and said it was an agreement.

So beware of Lowell Portfolio 1 Lowell Financial & Red Debt collection also Mackenzie Hall are now part of Lowlife I am waiting to see if MH will be used on debts where Lowell have failed to collect.

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Add Hampton's to the list above...another stupid name Lowlife throw in the mix! All a bunch of idiots!

 

They have just had to shell out for my court costs, after losing miserably re: a SD they served on me, also another CAGer a couple of weeks ago, more costs!

 

good luck with your fight, although it wont really be much of one im sure!;)

 

MJ:)

 

They must be running low on funds!

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I wouldn't worry about what 'might' happen, besides, going to court is nothing to be worried about, this is where you want it to go, that way then they will have to show the DJ the evidence that you owe this money, and 9 times out of 10, you'll be able to rip them to shreds.

 

If your worried that they will take you to court, and they have mentioned legal action or court action in their letters then you can send them a CPR31.14 request for the evidence they will use in court to enforce a judgement, this is similar to a SAR but doesn't cost you anything, and they have to provide all the evidence they will rely on in court.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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