Mobile phone debt

[warrenuk]

Hi

Have been reading these forums we some interest but need some help on my next step

 

My daughter recently got a letter from a debt collection agency asking for £763.80p for an old t-mobile bill, whilst she acknowledges that she does owe T-Mobile some money the ammount is far in excess of the amount she thought she owed. She phoned them to try and sort it out and they did an over the phone assessment of her finances ( Currently unemployed ) she offered them £10 a month, they said that was not enough and she should pay £20.

After reading your forums I sent them your Subject Access Requst letter. There reply was as follows

Dear / Sir Madam

 

We write in refreance to your recent letter, the contents of which have been noted

Please see a copy of all our notes on the system and also a copy of your final bill, provided to us by t-mobile. ( This is a one page Bill with no break down of charges )

We can confirm that we have not given your information to any other company, and there has been no fees added by Transcom

T-Mobile do not retain copies of the original airtime agreement at there is no regulatory ""act"" that requires them to do so, being a service agreement of airtime and/or telephone handsets/equipment.

 

All they sent was their breakdown of movements, a one page bill from t-mobile dated 4th March 2010 and a copy of a girobank slip.

 

How would you procede from here

Thanks

Warren

[PGH7447]

wasted £10, you only send a SAR to the OC, the debt collector will have nothing worthy of note on you. get in touch with tmobile and query the amount of the final bill and demand a full breakdown.

 

write to the Debt collector (DCA) (dont phone ever) and tell them that you dispute the amount and until such times as tmobile have the decency to submit a full breakdown, they aint getting a penny.

 

Also you tell them what you can afford not the other way round

[maroondevo52]

Hi Warren.

 

You say an 'old' bill, when was the last payment made on this account

[marmaris30]

Personally I'd be pretty unimpressed at the scant information they have sent. If they cannot prove there was actually a contract in place then I don't see how they could get this past a judge.

 

However, did you SAR the DCA or T-Mobile themselves? Also, has the DCA purchased this debt or are they still just T-Mobile's agent?

[warrenuk]

Will fire them off a letter now.

 

Last payment made 12/2/10

 

I sent SAR to DCA but not sure if they purchased debt or agent.

[unclebulgaria67]

Deal with T-Mobile, but do keep the DCA advised about what is going on. There are a couple of DCA's who are issuing statutory demands threatening bankruptcy for such small debts.

 

When you deal with T-Mobile, do make sure that any issues are subject to any necessary formal complaints, as then these are formally note and then she may get a proper response. If a debt is in dispute, DCA's should stop collection activity, until the dispute is resolved.

[Bazooka Boo]

All the DCA (who I suspect will be lowells??) need to be told is to clear off account is disputed end of.

It is up to the original creditor to inform their chosen third party goons of the current state of play.

 

Definitely enter into T-mobile's complaints procedure, http://www.t-mobile.co.uk/service/contact-us/email/comments/

 

And exactly how old is this?

[ZipDee]

Hi

Have been reading these forums we some interest but need some help on my next step

 

"My daughter recently got a letter from a debt collection agency asking for £763.80p for an old t-mobile bill,"

 

 

What you are dealing with here is a buyer of buckets full of old debt for pennies who will attempt to screw as much as possible from you backed up by an indifferent solicitors for whom its an 'earner' with very little effort, by using the 'robust' US methods adopted by, for example, Arrow Global and which gained them a 600% increase in monies claimed and which attracted RBOS to buy a major part of Arrow Global, Guernsey - screwing UK consumers in order to make (?) excessive profits for the UK consumer. It is now a successful industry, by example as it were, full of chancers trying to cash in on people who have let protecting evidence simply 'dissapear' over time.

 

I will be in court soon (by choice, I'm going to nail these scumbags with 'fraud') because I want to see just how far one-such is willing to go by using due process of law to break the law.

 

I will give a full report, and which might send these **** back under the rocks they came from, but don't hold your breath, when the issue resolves in court.

 

Get an 'origin of debt' statement from whoever pursues you - they falsified mine and in a manner I can evidence to show the debt they pursue is not even mine!

 

They want to talk to you/or you to contact them just in case you mention a company (as I did) when trying to remember stuff, and they use that name to pursue a debt, knock up a phoney bill etc.

 

Check my submission today on mobiles.co.uk and Carphone Warehouse to see where the £700+ bill might have been constructed from - usually a breach of contract claim for a lost 2 year contract, and Vodafone attempting to gain money by false pretences from me in a similar revenue earning [problem].

 

I was beginning to think I was a '****' magnet, but I think there are a lot of companies, even major and supposedly respected companies, who are willing to bear down criminally on consumers until challenged.

[sbox65]

T-Mobile (Everything Everywhere) will probably sell the debt, I had a bill from them £800+ there were the usual threats then the debt was sold to Crapquest at which point the amount owing dropped by several hundered pounds.

[labrat]

heres an idea of a guide of what happened when i was dealing with o2 for a friend

 

debt collection letter for £330, no breakdown

 

emailed DCA stating bill in dispute till breakdown receaved, email only, no doorstep callers

receaved reply stating terms and conditions stated doorstep caller could attend anyway#

replyed stating "intrested they felt T&C's overode law and reported to regulators (never sent it anywhere)"

passed back to o2

 

passed to second debt collectors

advised in dispute as no breakdown

 

passed to 3rd debt collectors

advised in dispute as no breakdown

advised would receave breakdown in post

 

4 months later nothing

 

 

they like trying it on

[Bazooka Boo]

How are you getting on with this Warren?

[ZipDee]

T-Mobile (Everything Everywhere) will probably sell the debt, I had a bill from them £800+ there were the usual threats then the debt was sold to Crapquest at which point the amount owing dropped by several hundered pounds.

 

Is it a bill for a two year loss of contract? If so, no one can force a contract of more than a year on anyone. It is unlawful. And if you have cancelled a contract because, for example, 'customer care' treated you shoddily, wasn't up to what would be expected, then it is your Statutory Right to reject a contract even though the 7 days (by god they lobbied and knocked that down!) has passed- a lot of Distance Sellers (google Consumer Protection (Distance Selling ) Act, 2000 it is eay to read and get on top of your Statutory Rights : and it is criminal offence to attempt to undermine to negate a statutory right.

[sbox65]

It occurs to me they dont force a two year contract on you, at the time of taking the contract you sign. If it were unlawful I dont think the networks would get away with continuing to offer 2 year contracts. Further as I understand it there is a 14 day cooling off period on any contract where you can take back the handset and provided you have not run up charges terminate the contract without cost.

[Bazooka Boo]

http://www.oft.gov.uk/business-advice/treating-customers-fairly/saleofgoodsact/