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Roxburghe via HFO demanding £479

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Hey peeps,


Back at the end of December I got a letter from Roxburghe via HFO demanding £479.


I e-mailed them an abridged CCA request to which they actually responded saying that it was noted and they would respond within 10 days.


6 weeks later and after hearing nothing I got a "72 hour notice" from these bandits to which i sent a further email (with all previous correspondence in copy) stating that they cannot chase something that is in dispute.


Just this morning I get a letter from Graham White Solicitors threatening court action.


Now having dealt with these shoddy outfits before I am assuming this is no real solicitor but Roxburghe acting under disguise yet again.


I have had a default from HFO on my credit file since 2005, and until now have been quite happy to let it sit there to expire as I have had no need for further credit.


Should I now send a written CCA request to them? I mean they did actually acknowloedge my request before so wonder if that is enforceable?


What makes me REALLY LAUGH is that they have some kind of DCA of the year award!


Here is the email chain I sent to Roxburghe (first email at the bottom):





Good Evening Habib,


Without Prejudice


The below request was not fulfilled, and the 40 day legal timeframe in which you are obliged to provide this information has now passed.


However, today I find myself 'issued' with a '72 hour notice'.


I have records of my correspondence with yourselves in the form of these e-mails.


Unless you either provide the evidentiary information I requested or cease and decist this line of enquiry I will have no option but to pursue legal channels of my own.


As stated in my previous e-mail this account is in dispute, and threatening legal action towards me whilst the debt is in recognised dispute is in itself illegal.



Please respond no later than 24 hours from now with some form of resolution.




Kind Regards

Shane F





Subject: RE: Ref XXXXXXX / Dispute of Debt

Date: Wed, 30 Dec 2009 12:38:42 +0000

From: [email protected]

To: shanef


Dear Sir,


I do thank you for mail dated 30-12-2009, the contents of which have been noted. We will give your mail the attention it deserves and would hope to respond within the next 10 days.


Best and warmest regards,


Habib Pazir




Habib Pazir

Administrator - Collections support

Roxburghe (UK) Limited




01932 333800


01932 333800


01932 333839


[email protected]


















Please consider the environment before printing this e-mail.

This e-mail and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this e-mail in error please notify the sender immediately and be advised that any use, dissemination, forwarding, printing, or copying of this email is strictly prohibited.

This footer also confirms that this e-mail message has been scanned for the presence of computer viruses. Any views expressed in this message are those of the individual sender, except where the sender specifies and with authority, states them to be the views of Roxburghe (UK) Limited. Scanning of this message and addition of this footer is performed by SurfControl E-mail Filter software in conjunction with McAfee virus detection software



Roxburghe (UK) Limited is a limited company registered in England & Wales; Registered Office: Kings Parade, Lower Coombe Street, Croydon, Surrey, CR0 1AA, numbered

From: Shane F

Sent: 30 December 2009 12:35

To: admin

Subject: Ref XXXXXXXX / Dispute of Debt




Dear Sir/Madam,


Without Prejudice


With regards to the above account, as stated recently in a telephone conversation with one of your team I do not acknowledge or recognise this debt.


Please forward me at your earliest convenience any relevant information relating to this debt, including (but not limited to):



  • Original signed contract
  • Any bills/statements with charges detailed

Please also include any other documentation you may have that is relevant.

This will enable me to trace back through my accounts to see if indeed an amount is owed.Until you do this, the account will remain in dispute and you cannot take further action on recovery.

I am sure you are aware that there was a recent article on BBC Watchdog about Hutchison 3G accounts being chased by unscrupulous DCA's when no amounts were outstanding - and I am sure that this is another one of those 'mis-understandings'.

The onus is now on yourselves to prove that I owe this sum to yourselves


Yours Sincerely

Shane F

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Hi, shanef.


I'm going to move your post to start a new thread for you.






Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Please stop putting "Without Predjudice" on the letterts, all that means is that they will not be admissable in court if they decide they don't want it showing!


I guess as it is these muppets they are referring to a mobile phone contract?


Have you knowledge of a contract and it going into default? Or did you have one (3G) and they are still charging you for the contract?


Either way, these eejits are extremely easy to put back in their place!



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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Hey Bazooka, thanks for the tips...


I can't remember where I got the Without Prejudice bit from, probably something they wrote to me once!


Yes theya re referring to a mobile phone contract I had with 3 back in 2004, which they say defaulted in 2005.


To my knowledge, I paid the bills in full - and after explaining that to Roxburghe they told me to prove it by providing bank statements. Now I bank electronically, and to get paper statements is £10 per statement, which can be rather expensive if I don't know what month(s) I settled it.


So I decided to place the onus on them to prove I owed it - and this is what I am getting...


Just not sure how to proceed.

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A lot of these phone debts when looked into are not actually due.


The best way forward is to make a subject access request to 3G which should include your last statement.


You could send Roxburgh a letter by recorded delivery, just stating that as they have not provided proof of the debt, which you deny having any liability for, that you have submitted a subject access request to 3G. Once you have the information, you will be back in touch.

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group


If you want advice on your thread please PM me a link to your thread

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Next question - what if I don't have any statements or remember any details with 3G?


I should be able to get info out of them using my details at the address I was living at when I took the contract out I guess, but the contract was signed with Carphone Warehouse if my memory serves me right, so not sure which way to send my request...


Why on earth would it take an organisation nearly 5 years to start chasing for this?

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Yes submit subject access request to 3G with all the details you have avaliable that might help them.


Check your credit report with Experian and Equifax. The default may be noted on there


In regard to why it takes so long to chase. These mobile companies have millions of accounts and probably don't have IT systems that are as sophisicated as you might think. Probably held together with sticky tape. Obviously at some point they have run checks on their accounts and believe money is outstanding. They would have chased the debts themselves at your last known address, before selling the debt on. The DCA's buying the debts would carry out searches to find you at your new address.

We could do with some help from you.



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“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


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