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    • Hi all,        I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. So would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue?   Anyway, if it's more helpful, I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, so put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
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T Mobile Bill after 2 years ** DISCONTINUED **


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My daughter has had a claim form come through, we havent had any letters from HL, no phone calls etc. Now the story goes, my daughter took a contract with T Mobile before she was 18, her ex boyfriend made her. She had mental health issues at the time, she is better now, and now in Full time Employment. They claim she owes £299.00 we dont have a breakdown, and im unsure what to do. She now has another contract with T Mobile, which she has had for nearly 2 years.

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You say claim form, do you mean from a County Court? If it is a court claim it will have a box at the top right hande side with the issuing court name and a reference number and a (normally red) stamp on it. If the summons was issued online it will say Northampton county Court. If it isnt like that then you can safely ignore it and if it is a court document but not stamped then phone up your local county court and report the matter.

When waa the contract she entered as a minor terminated or last payment made? If she was still a minor at the time then there is not a problem, it just becomes more complicated if the contract rolled forward past the age of majority.

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Did anyone stand as guarantor for your daughter?

 

If you are under 18, you cannot enter into a monthly contract for a mobile phone. However, you can buy a pay as you go mobile phone as this does not require a contract.

 

Debt

 

As a child or young person, you cannot normally be taken to court for debt. This is because you cannot be legally held to a contract you make when you are under 18. However, there are some exceptions to this rule. You can be held legally responsible for any debts you run up to buy things that you need like food, shelter or clothing.

 

There may be other debts you can be held legally responsible for. If in doubt, consult an experienced adviser, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click on nearest CAB.

 

As a parent you are not usually under any obligation to pay the debts of your child. However, if you acted as a guarantor for a contract they entered into, you will be responsible for any debts under the agreement.

 

Quotes taken from CAB

http://www.adviceguide.org.uk/wales/debt_w/young_people_money_and_consumer_rights.htm#content

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i didnt stand as gaurantor, She is now 20, we spoke to HL Solicitors, and they dont care that she was only 17, she knows she did wrong, what shall i put in the defence? And will she get into trouble for fraud?

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I suggest you contact T mobile and let them know that your daughter was under the age of 18 at the time she signed the contract, from what I am reading from the quotes above the debt should become null and void due to her being underage, unless you or any one over the age of 18 stood guarantor for her then it would be them or you who are liable.

 

However if the are sending the court papers to your daughter then I doubt if any one did stand guarantee for her.

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i didnt stand as gaurantor, She is now 20, we spoke to HL Solicitors, and they dont care that she was only 17, she knows she did wrong, what shall i put in the defence? And will she get into trouble for fraud?

 

To be honest Im not sure, but I doubt it.

 

She would have been asked for her date of birth when signing up for the contract and the salesman should of seen some proof before signing her up, more fool him if he didnt. HL should care if she was 17 as Im sure the contract becomes void. Perhaps you should send HL the link I gave you.

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Im not entirely sure without reading the contract.

 

I would get onto T mobile and explain the situation to them, its best to either write or email them. Offer proof of her age at the time the contract started.

 

Im sure others would know more, it might be best to seek legal advice on this or have a chat with the CAB.

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The name on the court papers "T-Mobile" or "hl"?

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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Can you please let me know the date of issue of the claim form - you will find that at the top right hand corner of the claim form. We need this so we can advise the timeline you have to adhere to.

 

Can you please also let us know exactly what it says on the form - the reason they have issued the claim.. that will be the block of text at the left hand side of the form under the addresses :) Then we can help you draft a defence.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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the date is the 5th June 2013, i dont have the form with me, but i can let you know when i return home from work later

 

Ok,

 

Date of issue - 5th June + 5 days for service = 10th June + 14 days to acknowledge claim = 24th June + 14 days to submit defence = 8th July.

 

So you have a little bit of time in hand :) Just make sure you acknowledge the claim online by the 24th June. Once you have let us know what the claim is about then we will be able to advise if you need to ask for further information etc. I have sent out an S.O.S for you as well.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Responding to CB,s request.

 

JH..... question why would your daughter have 2 accounts with T Mobile was the first for her ex ?Was it terminated ? Does she still retain the phone and did she ever receive notice of arrears or a Default Notice?

 

Regards

 

Andy

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Morning, claim details are

 

Part of the balance outstanding under a contract made between EE ( T Mobile ) and the defendant for the supply of mobile telecommunications services by EE ( T Mobile ) to the defendant account number xxxxxxx the benefit of which was assigned to the Claimant on 21/12/2012. The terms of the contract were breached upon the defendants failure to make payments due under the contract. The claimant seeks interest pursuant to section 69 of the county courts act 1984 at the rate of 8% per annum from the date of issue continuing at the daily rate of 0.07

 

Any payments should be directed to the claimant HLLC.

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Responding to CB,s request.

 

JH..... question why would your daughter have 2 accounts with T Mobile was the first for her ex ?Was it terminated ? Does she still retain the phone and did she ever receive notice of arrears or a Default Notice?

 

Regards

 

Andy

 

She had the first one when she was under 18, yes for her ex, no she didnt terminate it, ex had the phone, i cant recall any letters from 2010. I do know that she hasnt had any letters from HL this year though

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