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    • I understand that you may have suffered an injury and that you have memory problems. Obviously is not a good situation. However, you have to engage with this thread closely if you want to make headway. It is difficult for us to take an interest and then find that there is no contact for two months and then we have to start again refreshing our memories and being enthusiastic about supporting you. If your lack of contact is because of a memory problem then I think that you probably should make a note on a Post-it or something and put it in a prominent place so that you can remember to get back to us. It is very important for you – because you can be certain that the one people won't forget are Vodafone and eventually their debt collectors who will start to put pressure on you and start to make your life very uncomfortable indeed. I see that back in January I advise you to send Vodafone an SAR. Have you done this? It is an essential step. Also, as a matter of interest are you still with Vodafone? I'm afraid Vodafone are a very troublesome company. They are very inefficient – the only thing they seem to be really good about is about debt collection. There are extremely poor at dealing with problems when things go wrong. The one company we haven't had any complaints about so far is GifFGaff and they offer month by month no contract Sim cards. In effect they sent Sim cards out like confetti and no contract is ever started until the Sim card is actually activated in a telephone. This means that there can be no mistake and no commitment until you have actually made the choice to open your phone, put the card in and then to switch on the service. Even then, you are only bound for a month and then another month and then another month and another month – but you choose. As I say, we've had no complaints here. Have you sent Vodafone the SAR?
    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
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    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Merged Debts emails and harassment(from International company)


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Hello,

 

I'm new to the forums, but if this is in the wrong place then could you let me know and I will re-create the thread.

 

I was living in Australia for 16 years(I was born in the UK and moved to Aus when I was 6).

I had a rough time and didn't have a job until I was 20.

 

I never had credit before.

I opened a bank account in Australia and got offered a credit card, which I accepted.

 

I then applied for a online course, which was a monthly payment of 60 AUD.

Once signed up I had realised this course that this company heavily advertised was a [problem].

It was the same course a student in a free study College could do in his spare time on the internet.

 

I had disputed with them about leaving, however they said that I would have to pay the outstanding amount of 4695.00 AUD.

From that point I had stopped communication with them.

 

My father passed away in February last 2014 and my mother and I moved back to the UK.

I had left an outstanding balance of 500(Maxed out) credit card from the bank

and I also did not pay the company who was chasing me for 4695.00 AUD.

 

I've received plenty of emails from this company recently,

I had no communication or emails from them since July 2014

and in the last two weeks I've had 24 emails and unfortunately a phone call.

They tracked me down.

 

Apparently this company AusDebt has been in contact with me(They have not).

I first received an email 2 weeks ago stating that

"As per the request of Open Colleges we have come to a conclusion and you are now only required to pay 1408.63".

 

I then received the same email 2 times a day for a week,

I will attach this with the post.

It states that "As per my request" they are willing to settle with the amount mentioned above, which I think is being used as their tactics?

because I haven't been in contact with them at all I assume as I've read online after 5 years the debt gets statue barred?

 

I received a phone call yesterday asking for me,

I said no I don't know anyone by that name that lives here and the lady said

"That's funny since we've checked records and it seems only yesterday you applied for a loan

and we also know who you bank with and that you drive a ford focus".

 

How are they getting this info?

 

She then went on to say

"We will be getting that money back off you very soon,

my associates look forward to seeing you in person have a nice day" and hung up.

 

 

Does this mean that they have transferred the debt to a UK company?

 

 

can they actually do that ?

 

Any advice on this?

 

More facts about the account,

I had only logged into the online portal twice, and not even attempted the work

because I had found out I could of just went to a local free college

and got the course for free.

 

 

Yet when trying to cancel they blocked access to the online portal and demanded payment off me..

s there any way I can fight this?

 

Thanks

 

P.s I am living in the UK now.

Edited by dx100uk
post edited pers & irrelevent info removed - dx
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Ignore them totally. For a debt of that amount, they won't bother to try to enforce in the UK. The finance agreements in Australia would need to contain terms where you agreed to accept court jurisdiction outside of Australia. Even then, they would need to pay all relevant costs in getting it through UK courts and unless they were certain of getting the money back, they would not bother. IF they dud issue a UK court claim, you would have a chance to defend it and given what you say about the course, it might not get very far.

 

Re the information they have obtained, they may have got a UK search company to check your credit records, which would reveal your Bank. They may have checked Google streetview at your address, to see the car or somehow got the info from DVLA.

We could do with some help from you.

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They are trying to intimidate you. They have no powers to do anything. You can safely ignore.

We could do with some help from you.

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Thread moved to Oversees Debt issues forum.

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Ignore them totally. For a debt of that amount, they won't bother to try to enforce in the UK. The finance agreements in Australia would need to contain terms where you agreed to accept court jurisdiction outside of Australia. Even then, they would need to pay all relevant costs in getting it through UK courts and unless they were certain of getting the money back, they would not bother. IF they dud issue a UK court claim, you would have a chance to defend it and given what you say about the course, it might not get very far.

 

Re the information they have obtained, they may have got a UK search company to check your credit records, which would reveal your Bank. They may have checked Google streetview at your address, to see the car or somehow got the info from DVLA.

 

 

Thanks for the reply, helps me a be a little bit more comfortable for the moment.

 

If I remain in no contact with them is it true that after 5 years the debt will no longer exist?

 

Thanks

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Depends on the legal stuff in Aus... Over here In Scotland the debts are extinguished after years --- GONE! But in England, 6 years and the creditor / DCA can still ask for payment.

 

As for AUS i am not sure.,

 

http://consumeraction.org.au/debt-collection-old-debts/

 

We could do with some help from you.

 

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Receptaculum Ignis

 

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Thanks for the reply, helps me a be a little bit more comfortable for the moment.

 

If I remain in no contact with them is it true that after 5 years the debt will no longer exist?

 

Thanks

 

Statute of limitations means that after the relevant period, they are not enforceable in court. So if this is 5 years in Aus, then after 5 years of non payment or you admitting the debt in writing, they should not be able to enforce it in a court. The debt may still exist and be chased, but of course you would tell them to get lost.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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