Mobile phone 3 and orange debt hampton legal help

[emjay2013]

Hi

everyone i'm new here,

 

i have letters from hampton legal saying i owe 3 and orange , £350 and £222 but

 

i'm 100% confident if anything i owe them £100 each and these are from about 3/4 years ago and

 

now they are saying the have assessed my finicial situation and that i can afford to pay them in full

which is ridiculous as i'm a single mother with no csa or support and only recieve income support child tax credit

and child benefit, and my bank account is an overdraft most of the time .

 

Can they freeze my bank account or my childs bank account ?

 

Will they actually take me to court over £572 ?

 

Should i contact them ?

 

Please help i'm so stressed i can't sleep or eat

i cannot afford to pay that as i'm living basically hand to mouth as it is.

 

Any advjce would be very much appreciated.

Thanks,

Emily

[filrobbo]

No they cannot freeze your account they have no legend powers unless they get a ccj against you , but they have a lot of hopes to jump through before that , do not ring them keep all corresponds in writing , first send them a prove it letter, and also check your credit file to see if the debts are showing up.

[filrobbo]

And don't stress about it there's plenty of people on here who will help you , just take there advise .

[dx100uk]

powerless muppets they are NOT BAILIFFS

 

check your credit report

 

does these show?

 

dx

[emjay2013]

What if they can prove it ? I did have accounts with the companies which i stopped paying as orange wouldn't replace my phone even though ir was covered by insurence and 3 kept upping my bill even though i wasn't going over my limit and both contracts only had a month or two left and i was only paying £20 a month. So i don't understand why they can charge this much. What is the best way to check my credit file ? Do you think it's likely i'll be taken to court ? I'm trying not to stress but money is so tight and i have a very young baby to care for all.

Thanks for your help guys,

Emily.

[citizenB]

emjay, send the letter linked below to Hampton Legal.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387363-You-know-nothing-of-the-Debt-Prove-It-(Updated-21.04.2014)(1-Viewing)-nbsp

 

The letter they ahve sent you is designed to intimidate and obtain a knee jerk reaction from the recipient.. eg.. you telephone them.. !! which is a no no.

 

They are not in a position to take any of the actions they are claiming they can as they do not own the debt. If they can prove that a debt is owed, then your circumstances would have to be taken into consideration, you would make an offer based on an Income & Expenditure form only from any disposable income.