Has this all been put on hold by ACS ? If they are under investigation by the SRA as alleged by some, Which consumer association are looking to bring group legal proceedings and the legal profession including the judiciary are not impressed by this, why would then continue? I have come across suspicious forum posts where people keep bumping threads, when no letters have been received. I am not saying you have done this, but be aware that this is happening.

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.

Your daughter may have difficulty. Even if she cancelled the credit card, the credit card company may allow payments. So when she cancels she needs to make sure she follows up in writing (recorded delivery) with details of what has happened and that she will not accept any liability for amounts that are processed following the cancellation of the card. She really needs to make a complaint about the debt company. Perhaps contact consumer direct and look to see if trading standards may be prepared to follow up.

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.

Was the debt statute barred at the time your daughter made the payment ? Statute barred means 6 years from the date of default, without any payment or acknowledgement of the debt or a CCJ being obtained. If your daughter made the payment when the debt was not statute barred unless she succeeded in making a complaint through trading standards/FOS, the creditors can legally request payment and try to enforce in court. If the debt was statute barred, she does not have to make any further payments. But she won't get the payment back, unless she is successful with a complaint. If your daughter is uncertain about this, she really needs to get hold of the last statement from 3G. She could make a Subject Access Request to them. She could also check her credit record with Experian and Equifax to see if anything is noted. If your daughter receives any phone calls or letters in the meantime, she should tell them she will only deal with the matter in writing and then only if a statement from 3G is provided confirming the debt. If the matter is statute barred they should cease to make contact or risk the consequences of this being reported to the OFT.

I suspect that they can try to get a judgement in the UK and then look to the OZ courts to enforce. But this is likely to be an expensive process, so unless you owed a lot of money they would not bother. Let them make the case and instruct lawyers in OZ, as and when you need to. In the meantime, if they are just asking for the money, without any form of legal process being mentioned, just ignore them.

No this is not a cancellation you have to disclose to other Insurers. You only need disclose in a situation where Insurers have refused to cover because of non disclosure. So just arrange your cover elsewhere. Use a comparison site and you should be able to find a Contents Insurance to suit your requirements and get instant cover. My advice is to always use a company you have heard of and before you buy check for any adverse comments online. There are a lot of new companies on the market that are internet based and they are a total let down if you ever needed to claim. e.g. ehomeinsurance. Birmingham midshires would just have cancelled from the date the policy has been paid until.

Are AK getting a bit fed up with some of the standards of conduct of some UK DCA's ? While the owners of AK are Norwegian billionaires they don't want to continue being stitched up. I wrote to them this year about an issue with Lowell. A relative of mine had moved abroad leaving debts behind. Lowell owned the debt for a couple of years and it was chased by them as well as others on their behalf. I wrote 3 recorded delivery letters to Lowells chief executive saying the debtor had moved abroad, giving them the details and they did not respond. They then sold the debt on to AK, as they could not collect and it has become statute barred anyway. When Lowell sold the debt to AK, it appears that they gave no information to AK about the history of the debt. The fact that the debtor lived abroad and was statute barred. I know that debts are bought as a package, but I thought that the debts were graded in some way, so that they could be priced. If some of the DCA's are selling all sorts of crap to AK, I suppose this is the fault of AK being naive, but I can understand them looking to take legal action.

Due to the current economic crisis and problems with cash flow, some of the owners of debt are struggling at the moment. Over the next year, it is highly likely that some of these companies will cease trading. This is why they are putting pressure on people, hoping you get fed up and offer increase in payment or an F&F.

If you want to know more about how these things work, google speculative invoicing handbook. Also allegedly ACS:Law are being investigated by the SRA. This is going nowhere.

I believe they will and can report defaults to CRA's. I am sure there was a case last year, where the judge ruled that the creditor could report this to the CRA's. There was evidence of a financial relationship and of the default, so creditors could report this. I am not sure whether the missing CCA, would prevent them, if you challenged in court or with the ICO.

Lowell and Red (as are Hamptons Legal) are the same company. If you read various forums, they have been chasing for a lot of dispusted debt on behalf of mobile companies. When this has been looked into with the mobile company, it has been proved that the debt is not even due. My advice is to look into this with O2. Make a subject access request to them and ingore Lowells/Red in the meantime. Lowells/ Red don't answer any correspondence or provide proper proof most of the time, because they don't want to. All they will do is sell the debt on to another DCA and the current amount will grow. It is a pain but you really have to sort out with 02 by getting the evidence from them.

Link to previous thread on RW http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/246057-problems-robinson-way-help.html If you want to find your previous posts/threads, just click on your name in a post and then under statistics, you will find them.

If you have not heard from them for a long time, when did your OH last make a payment? Scotcall/Resolvecall appear to have a very cheap way of operating. I think the collectors that visit are self employed on a commision only basis. They have to pay for the own travel costs.

If you worked for a DCA would you bother even reading this site, you certainly would not post anything. It must be bad enough working in the industry, but to do this in their spare time as well. Very sad !!!!!!!! If DCA's have the legal ability to recover debts, it is easy, just follow the correct legal process. Continuing to hoodwink people when making poorly 'scripted' phone calls on the back of badly worded standard letters, is a waste of time.

They cannot insist on phoning, just because they operate that way. Refer to Trading standards via consumer direct and I am sure that will tell them to stop bothering you.

Pay You Debts From what I have read, contributors to this site do not encourage people to escape repaying debts. They are simply providing information and assistance, so people are aware of their legal rights. If the financial organisations and DCA's operated efficiently and in full compliance with the relevant laws, including relevant industry requirements, there would not be a need for a forum such as this. The industry that you work in or have worked in, is in a mess of its own making. This is why they resort to underhand ways of operating.

The choices are. Go through your Insurers and pay the excess, then claim the excess back off the 3rd parties Insurers. Could take a few months to get the £200 back. Make the claim through the 3rd parties Insurers if they will accept. If the other driver has admitted responsibility and reported this to their Insurers, this should be straightforward. They will arrange to repair the car and you would have no excess to pay.

If you read through other posts, Barclaycard are sending generic made up agreements as rumour has it that up to a few years ago, they destoyed all the original agreements. Only poor microfiche copies available for some and not all pages. When you chase for actual copies of agreements or make a subject access request, they will not ever admit they can't produce an enforceable agreement. Eventually if you were in a default position they would hassle you, wreck your credit record, then sell on to DCA.

A relative of mine moved to Spain leaving behind a few debts. Unfortunately I did not know about this, when I voluntered to be a forwarding address for post. One of the debts was about £30 owed to Sky. This amount was chased for 7 years by various DCA's before they gave up. MH even sent one of their doorstep collectors 10 miles to my address. The collector was a bit pi**ed off to say the least, as he was on commision and was paying for his own petrol. Obviously I told him to get lost in a nice way. He was getting really hacked off by MH for being given absolute rubbish to chase for, as he was earning bu**ger all and paying for car costs, only to be sworn at by most people. Makes you think what idiots these companies are, spending hundreds on chasing a £30 debt. Some of their collectors may be on commision but the cost of running their offices, staff, postage, phone calls, must surely make chasing anything below £200 a waste of time.

My sister and BIL obtained citizenship within 3 years. They were able to buy their first house near Sydney within a year. But they had the support of other family who have lived there for years, who sponsored them. But this was about 10 years ago and would not happen now. I have been to Adelaide. Probably my least favourite Oz city, but the locals hate calling it a city anyway. They refer to it as a big town. The good thing is that if they move to Adelaide and don't like it, they can move elsewhere with OZ, after a year I believe, if they have job offers. I have read that others have gone there and moved to Perth. I have been to Perth on a couple of occasions and if you like white sand beaches, with crystal clear waters, it is the place to be.

My family has had a long association with OZ, since before WW2, when my great Grandmother moved there to teach in a coal mining town. For some people that move there life can be very good, but all I am saying is that times are changing. The cost of living now exceeds the UK and buying an affordable home on average wages near any major city, is now vitually impossible. The OZ economy is based mainly on their wealth in minerals and due to the size of the place, it is going to take a long time before these resources become exhausted. But other sectors of the economy are really struggling, particulaly tourism due to the exchange rate. I have been to OZ many times, but like the many Aussies that live in the UK, would only go there on holiday.

But what freedom ? Australia is catching up with the UK. They work longer hours and pay more interest on a higher level of debt than UK citizens. If you moved to OZ 20/30 years ago, then yes it was great. But times have changed.

Wescot appear to be one of the first DCA's that chase on behalf of LTSB. A relative had a debt with them, which I helped with. Wescot were actually quite responsive and were not half as bad as the other half dozen that chased the debt thereafter. The worst in the DCA industry must be Lowell and MH. Lowell ignore you unless you mention payment and MH are a bunch of bullies, presumably because they rely on commision to earn a living.

In understand that AK got stitched up buying a load of debt, that had no chance of being collected. A lot of this was previously owned by Lowell. AK should have known. You should never buy anything Lowell have had dealings with.