is that a smart thing to do or not ?

Dear Sir or madam, You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to (3mobile). I am/we are familiar with the Office of Fair Trading debt collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question. I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I/we look forward to your reply. Yours faithfully is what i sent them in an email

what do you mean ?

Well i just wanted to know what " investigate " means because i no i didnt do it, the bank i was with has no account for me anymore.. the address no-one owns the house anymore.. so i dont no what they could be doing ?

ahhh, now i understand. i just didnt know how debt collectors work.. i just want to know these things so i can pass on information to other people .. is there anything else i should know ?

ah.k although i have been thinking .. IF someone signs a contract between themselves and say 3, isnt that contract confidential there for against the law to sell ? as its an agreement between person A and person B ? ive never known how this works.

ah, so its not going through my work history, family history, bank history address history etc etc ?

Well when i got the letter i went into the 3 store, spoke to one of the guys in there, n he phoned them n i explained to them, i didnt have a contract phone, ive never been with hsbc, ive been living out the country for 4 years. i was in shared housing at the time, so someone might of found something.. etc etc and they said investigate, what the hell does investigate mean ? and what are they prepaired to do for 200quid ?

yeah but what will they do ? bank records ? family freinds ? address ? etc

so i just ignore them but i think somebody must of found a bank statement or something to set something up because it all happened while i wasnt living in the country ? so ive told them its identity fraud ? so obviously they have my old address n so on but it wasnt me because i closed my bank when i left. its just annoying i come back home and i end up with them trying to get moeny from me , for something i didnt even no i had,

Hello, well what can i say .... lowell have done it again i left the country 3 years ago.. and i had a prepaid mobile with insurance. with a debt of 200quid... i phoned to complain that i never had a contract phone with 3 as the reception is poor. they said they would investigate this ? what does it mean ?

Hello, i had a pay as you go phone with 3, from january to may of 2009, i moved to egypt in the june of 2009. i told my bank to cancel my bank account after the last payment was taken out. but i recieved a letter from lowell saying i owe 175 pound for a contract phone with a number i dont recognise. as 3 are not in egypt i never took that phone there. they said they would investigate it... what does it mean ? as i am not with my old bank more more will they go down my old bank history and so on ? but i dont understand where this has come from? i think it could be identity fraud ? will they end up taking me to court ?

Hello i have recently come back and i have recieve a letter from lowel for 175 pound... for unexisting payments, 120 of that is for cancelation fee's. i told my bank to cancel the account when the money had been taken.. now i have come back 3 years later i have a different bank and a letter on my door saying i owe money? I cant get a statement due to my bank doesnt have an account for me anymore... I have never had a contract phone with 3 befor as reception is poor... what will happen ? they have said they will investigate it... does that mean go down my history ? i.e bank accounts and so on ? take me to court or what because im not even sure its my debt i think it could be identity fraud from a old statement.