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MBK

Lowell / 3 mobile...get me outta here!!

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Hello

 

I would be grateful for some help with a debt.

 

A while back I had a mobile phone contract with Three. Got into difficulties and started to repay the debt. This was contract no1.

:|

 

I recall receiving a marketing call from Three offering a sim card / possibly another contract with Three. I

don't remember all the details as this was years ago but I think the offer was something like £30 a month plus any calls I make.

This was all done via telephone and no paperwork was signed. Contract no2.

 

A sim arrived but I never used it. I would occasionally receive letters from Three as well as various debt collectors which I ignored.

 

I have now started to receive letters from Lowell and the are chasing over £600 from me for contract no2.:mad2:

 

Whilst I admit I should have sorted this out before it spiralled out of control, I am at a loss as to what I need to do.

 

I cannot afford to pay £600. Incidentally this amount is still climbing

- I am not sure if any of it are charges.

 

All I know is that I never made a single call on the new sim.

 

I would like to know what steps I should take to resolve this.

 

 

Many thanks

 

MBK

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anything on your credit file?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks for your quick response dx.

 

I am not entirely sure. Let me check - Will get back to you shortly.....

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Hi dx

 

Yes this debt is on my file as a default. Lowell have the account.

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what is the defaulted date please

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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April 2013.

 

Wish I knew what they are up to!

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after fleecing you of money I suspect


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Lol!!

 

Am I liable for this debt? I seems unfair to be chased for phone bill that I have never made calls on!

 

Have you come across this situation before?

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well it looks like o2 sold it so it cant all be legit.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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DX... Think you mean 3 XD ^__^

Anyhow... Three sell all their debts... I know this for a fact.

 

Might be time to SAR 3 and see what they have! :) £10 and 40 days...


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Ok...thanks guys. ...will send 3 a SAR as suggested. In order to get Lowell off my back in the meantime is there a letter I could send them?

 

 

I am determined to fight 3. Most contracts are 12, 18 or 24 months. This has been going on for more 2 years..you would think that at some point the 'contract' would end!!

 

I would be interested to know if anyone else here is in the same situation.

 

Dx...you were asking about the default and dates....can I ask why is this relevant?

 

Thanks for all your help so far.

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DX... Think you mean 3 XD ^__^

Anyhow... Three sell all their debts... I know this for a fact.

 

Might be time to SAR 3 and see what they have! :) £10 and 40 days...

 

 

 

 

What exactly am I looking for when I do get the information they hold? :|

 

What will my argument be? What is the significant of the default placed on my file by Lowell???

 

So many questions!!! I only wished I had resolved this ages ago....:sad::sad::sad::sad::sad:

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lowell didn't place the default 3 did then sold it.

 

why did it not get paid was there a dispute

what happened?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I am afraid life happened.

 

I was earning so little money and trying to pay off other debts, this one didn't really feature.

I don't recall getting many letters / bills from three regarding this contract.

 

Because of other debts, I at one point stopped opening all debt type letters as I was 'drowning' in debt and the easy option was to bury my head in sand.

 

It's only recently that I have noticed this debt has grown to over £600 without me ever making a single call on the sim.

 

I suppose the dispute now is how can I owe three money on a sim never activated?

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yes ok that is a good point.

 

and one that they cannot disprove either.

 

pers then i'd not be worried about it.

 

you could if you want totally dispute the debt

by stating that the sim was never activated

and as far as you are aware, that never started the contract.

 

dx

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks dx.

 

Just being able to 'talk' about this is giving me the strength to deal with it.

 

Thanks for your advise and encouragement.

 

MBK

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