I've also sent the following letter too Executive.Office@three.co.uk

Thanks sent it... I assume it would of been Three who defaulted me, I'm going to try contact them directly to get that removed.

Cheers thanks... I noticed that after and removed it all So does anyone have a clue as to what I should do... resend them the letter or is there a next step for harassment or something?

reposting... my last post seems to have disappeared??? Got a reply Ok I got a reply... i guess this is some sort of automated response with a few of my details slung in... interesting they said last payment was 26/08/2005, thats months before my guess. Great news. So what should my response say? My first letter was Its like they have totally ignored my letter. I also need to let them know, as they have pointed out my exact date of last payment they have illustrated the fact the default was applied to my account practically a year and half (17 months) after last cause of action. This is not a true reflection of the the information and the Information commissioners office stipulates a default should be marked one month after the cause of action but not later than six months. not quite sure how to word it though. Should I resend the letter and add something about the default date?

brilliant thanks, so I need to contact 3 directly for that one right?

Well no, not quite 1/12/2004 was the date I started the contract... would of made me 20. 28 now and mortgages are on my agenda.

So the only thing I could say is that The OFT/ICO states that defaults can be issued no more than 6 months after the cause of action. Your default was issued 15 months after cause of action. Could you please amend the default date to a fairer time period as this is effecting my ability to get credit in my adult life. ? perhaps reference the above document. I wonder if I should contact the original creditor or the person its been currently sold onto?

I wonder if I contact the office of fair trading if they would push some weight around. I wonder how long it would take them... Default gets wiped in January anyway.

Guidance by who... the office of fair trading? any idea where I can find a quote of that? yes its been sold onto several over the years. Haven't a clue who placed it... I had assumed Hutchison 3g. Who would I send the subject access request too?

Hi, I recently have been chased by an old debt that I have disputed from the start, I now believe the debt to be time barred making last payment sometime before November 2005. Original help: http://www.consumeractiongroup.co.uk/forum/showthread.php?276006-Hutchison-3G-Debt-and-Default&p=3766015#post3766015 I signed up on credit Expert and found the only bad thing left on my account was this Debt. Apparently time barred or not the debt will stay on my credit file for 6 years. The issue lies here... Last Payment: Before Nov 2005 Default Date: 19/01/2007 I phoned credit expert they told me a default can be applied after 8 consecutive non payments. Lets say last payment was in October, possibly before then, I don't have the exact date, that would mean they defaulted me 15 months after last payment. Can they do this? I want to try get it removed from my credit file. Credit expert just told me to query with them.

well they sent another letter today Notice of intent to commence debt collection action failure to take action by 04 April 2012 will involve either debt collectors or ccj. Anyone know if I'm right in saying the debt is statute barred since October 2011?

You will never believe me when I say I'm still being chased by these imbeciles. This is more then a Joke now. Latest company tracking me down is Advantis Credit. I've never admitted this debt and always disputed it. Would I be right in saying that if last payment was made before November 2005, which would make it October 2005 that this debt has been statute barred since October 2011. Would I also be correct in saying that... The last telephone calls made is not acknowledgement of debt Default is not an acknowledgement of debt Disputing the debt is not acknowledgement of debt The only thing that would count is If I or a person acting on my behalf, make a Payment or acknowledge the debt IN WRITING? What would be the best way to deal with this, I'm inclined to ignore them? Also now the debt is barred could I also get the default removed from my credit history? Cant get anything on credit because of that.

Sadly I agree this is the way things are done etc. The big problem I have is the fact that as far as I was aware the contract was canceled as requested. Backed up by the fact who would keep a contract that was at the end of its 12 month period and phone stolen. Then they conveniently stop sending me mail. Its like they have done this on purpose. I think I'll just probably do this, 2011 ain't exactly far away and I've put up with the problem perfectly fine fore 5 years. A few more months wont make much difference. I'll trying contacting the Email given though... you never know. Although I think that is who I had a written response from in the past. Maybe still worth a punt though, different person dealing with the case etc.

are they under no obligation to notify me? Logic seems to go out the window here, how can I pay for something I don't know about? And what about the default itself, it popped up at some point during this whole ordeal. They never contacted me or anything to say it was going on? well thats a savoring thought. The last time I made any form of payment was in 2005? Surely this default shouldn't even be on my file? Luckily I've never paid anything at all as I've disputed it from the start. Looking at my credit file the actual date they defaulted me on was the 19/01/2007. Thats was months before receiving a letter from the first credit collection company. I'm sure I read somewhere they have to give you a final notification? Obviously I never got this since they stopped sending me letters due to a "security risk". Which would be the best method for removal, get them on the technicality (if true) or that fact I've made no payment since 2005?

Well As the title would suggest I have a debt and default from Hutchison 3G that I need to do something about. I think the last time I attempted to do anything with it was in 2008 and I've been ignoring the problem since Hutchison and the collection companies had stopped bothering me. I'm getting older and its getting to that point where I need to start thinking about credit for a house etc. Time to get it removed. The debt is for £501.54 that I strongly dispute. This was for a phone contract I took when I first went to university. The contract end date was 30th November 2005. Yes that's right almost 10 years ago. Where to start, basically I had this phone contract and like all young youth going to University there was many a merry day socialising all hours of the night. As a result one evening I lost my phone on a night out. If memory serves me right I may of left it a day or 2 to see if the bar had the phone handed in, unfortunately not. Next port of call was to phone up three and report the phone stolen and get it bared. Now As I mentioned the end of my contract was the 30 November 2005. I also lost the phone in November 2005 so like any sane person I had the phone bared, blocked and contract cancelled. This gave me the benefit of taking up a new contract with potentially a new phone company and getting a brand new phone I wouldn't have to pay for to get replaced. So that was that, no further correspondence with them at all. I moved on and forgot all about it... till that frightful day. Some time in 2007, yes that's right 2 years after reporting the phone stolen and "cancelling" my contract I receive a letter from my first credit collection company demanding the debt of £501.54. Well you can imagine my reaction, what the hell is this debt? After working out who Hutchisons 3G was I think I remember phoning them up and arguing with them till I was blue in the face. Well they wouldn't listen so I tried to ignore them. All Went quiet for a period, victory I told myself... wrong! Wesscott credit services were the new bad guy on the block. After getting a letter from these guys I decided I'd go on the attack and not ignore them. Armed with my silver tongue I phoned them up. I disputed the fact I didnt owe the money and they told me it soundly like there was an error on Hutchisons side and that they would investigate the matter. At last someone was listening. 27/08/2007 - I receive a letter from wesscot. Victory! or so I thought. 22/02/2008 - Creditlink account recovery solution (CARS) credit collection agency number 3. Well at this point I'm banging my head against the wall. Several letters from them. And references from wescot. 01/05/2008 - Yes you guessed it, Courtlink UK. Agency number 4. There trying to scare me now with 'court action' and 'ccj's'. I'm shaking. 23/06/2008 - Is this legal? feels like harassment Scotcall Debt collecting services, agency number 5! At this point I'm beyond angry. After emailing the latest credit collection company I was in correspondence with a rather rude individual named Matt who told me. Apparently I'm missing the point. the point all but one credit collection company (wescot) seems to understand and that is Three failed to close my contract and instead choose to incur me monthly debts for a phone that doesn't exist for 2 years before deciding to try contact me through a credit collection company. And there's more 02/07/2008 I finally get a reply from three in writing. Did you read that! that's convenient. It took them 2 years to work out non payment! Plenty of time for them to update there records to the correct address. Now that's even more convenient. A month after reporting my phone stolen they stop sending me letters for a "security risk". If I received a letter in September or any time for that matter after reporting the phone stolen I would of realised there mistake and chased to make sure they cancelled. At the moment it feels like they had gross employee negligence when not cancelling my account when asked. Then purposely sent a letter to my old address to fake a "security risk" and have a reason to keep on charging me. I wouldn't be surprised if there was commission involved somewhere. Any ideas how I can fix this? They have also defaulted my credit history, It needs to be removed. Kind Regards p.s. sorry for the essay.