Bryan carter & VOdafone debt

[bigbigproblems]

Re: Bryan carter & VOdafone debt

You gambled and won will the OP?

How is that useful to anyone? Your a well respected poster on here so I'll be polite.

How did I gamble?

1) If I'd have gone to county court and lost I could have payed it off within 28 days and had no adverse affect on me.
2) Statistically I was much more likely to get a result by fighting them than giving up.
3) How much do you know about me case? Have you seen all my evidence? If not I can hardly see how you can call me defending myself from a totally unjustifiable claim "gambling".

I'll send you a claim in the post asking for a grand for a "debt" you owe me. Lets see if you gamble or just decide to pay me.

[bigbigproblems]

Re: Bryan carter & VOdafone debt

Thank you. I will be taking your advice and I will keep posted. The other thing I forgot to mention., when I rang Bryan carters, they kept referring to an 02 debt , plus the fact they was so rude!

Do me a favour. Record every conversation. Don't tell them you are recording it. Some on here will say you have to. This is rubbish. A judge can say he won't listen to it, but for a lay person it's very unlikely especially if you can say it undermines the credibility of the case.

You can do this using your mobile if you have a smart phone. Or using a dictaphone. If you have neither (unlikely with the smart phone if your 21! ) then invest. That tool will be useful througout your life when you are dealing with insurance or any other organisation. (I've been told that first hand by a County Court judge - he told me they don't like deception, but that if you can prove a lie they will always let it in). Basically if it will help you they will allow it.

Also Bryan Carters is just a call centre. They arn't lawyers you are speaking to. If you have 5 minutes spare and want a laugh ask for their SRA number and their name as you wan't to complain about their conduct. Just see how quickly they backtrack and explain they are not solicitors! Then ask to speak to one. You can still complain about the firm, but in reality it's more hassle than it's worth for you.

[wales01man]

Re: Bryan carter & VOdafone debt

I Am giving my honest opinion right or wrong I would expect the OP to defend this but as usual a Judge has the final say unless its withdrawn. Getting a summons is bad enough then finding out a family member caused the problem must be upsetting I agree with the OP not pursueing the sister .
Now all efforts should be with help from others like Amethyst to make it go away I for one want to see it thrown out .

[Amethyst]

Re: Bryan carter & VOdafone debt

Not really sure where rolling over has come into it. The main thing is that sis doesn't end up in trouble (other than with her family) and OP doesn't get a CCJ stuck on their credit file potentially ruining their chances of getting a mortgage. We haven't been able to check the credit file as yet but believe there will be a default sitting there for this same account, if there is a way to remove that it would be good to discuss further along the line. The claim has been bought without any back up info and we are defending on that basis at the moment. Take it step by step, see if they come back with anything, theres been no response to the CPR request so far.

Its okay saying if you get a CCJ just pay it off, but if there isn't the money there to pay it off (and really how many people have a spare grand laying about), then once you have the CCJ you're a bit pooped if you can only do an installment plan, whereas negotiating now can get a hefty discount and possibly being able to pay over 6 months, without the CCJ. It depends on the priorities and only individuals know what risks they are happy to take.

I can only advise against anyone contacting others off site for their own security and safety - that's just site policy and I would hope people can understand why that is the case. Same applies to advising others via private messaging. There is never any issue with people having different views on threads, so long as it is kept respectful.

[MissFM]

Re: Bryan carter & VOdafone debt

Thank you. I will be taking your advice and I will keep u posted. The other thing I forgot to mention., when I rang Bryan carters, they kept referring to an 02 debt , plus the fact they was so rude!

Could it be just a bizarre coincidence? (ie not, in fact, the debt your sister thinks she might have incurred in your name?)

[Amethyst]

Re: Bryan carter & VOdafone debt

lol, think things might be clearer once the OP checks their credit file. I doubt BC have any evidence of the debt other than the list of names and numbers from Lowells purchase list so that's the defence we're going with.

[Fred123]

Re: Bryan carter & VOdafone debt

Hi there, I did say to the guy at Carters, is this O2 or Vodafone as your court summons says Vodafone, yet you keep referring to O2. He did apologise 4 times, believe or not and confirmed it was Vodafone. My sister has been crying on and off all day. I feel so mad at her but now feel really sorry for her. I just wished Carters had sent the letter before legal action first. It seems stupid to get summons first then the day later the letter.

[MissFM]

Re: Bryan carter & VOdafone debt

Impressive level of efficiency, Fred :tinysmile_twink_t2:

[bigbigproblems]

Re: Bryan carter & VOdafone debt

Hi there, I did say to the guy at Carters, is this O2 or Vodafone as your court summons says Vodafone, yet you keep referring to O2. He did apologise 4 times, believe or not and confirmed it was Vodafone. My sister has been crying on and off all day. I feel so mad at her but now feel really sorry for her. I just wished Carters had sent the letter before legal action first. It seems stupid to get summons first then the day later the letter.

Do you or your sister have access to a grand if you NEEDED it. Amethyst was right when she said that everyone's situation is different, I didn't consider that.

My advice was centred around sorting out the credit file completely. It's all when and good saying lets think about it later, but once you settle the chance of getting the default removed is nil.

Also you can check your credit file for free with either experian/equifax (if you havn't had a free trial before), or with noddle which is completely free for life. Experian and Equifax are better as they are more widely used, but Lowells report defaults to all three so you will be able to find out if/when that was put on your account.

[Amethyst]

Re: Bryan carter & VOdafone debt

For Noddle (and the others)- I think you need to enter debit card details for identity checking purposes (rather than payment) and OP's is lost and has holidays tmw.

[bigbigproblems]

Re: Bryan carter & VOdafone debt

For Noddle (and the others)- I think you need to enter debit card details for identity checking purposes (rather than payment) and OP's is lost and has holidays tmw.

Didn't read that bit . Hope the OP has a nice holiday and can forget about this whilst away. Get the defence in and let it go until you get back.

[Fred123]

Re: Bryan carter & VOdafone debt

Thank you everybody, you've all been so helpful and friendly. I'll complete the defence on-line tomorrow. The debt will be registered to mums address do u think the default will show up on her credit file. We can check I guess.

Thank you again. I'm really very grateful x

[bigbigproblems]

Re: Bryan carter & VOdafone debt

Thank you everybody, you've all been so helpful and friendly. I'll complete the defence on-line tomorrow. The debt will be registered to mums address do u think the default will show up on her credit file. We can check I guess.

Thank you again. I'm really very grateful x

No chance unless you have a shared account. And even if you did have a shared account it wouldn't show as a debt to your mum. Their would just be a financial connection there.

[Fred123]

Re: Bryan carter & VOdafone debt

Hiya,

No we don't have access to a grand ��. I guess if it goes to court and I lose as long as I get 28 days. I could just about manage it.

[Fred123]

Re: Bryan carter & VOdafone debt

Ok scrap that idea. I can always ask my mum to check my credit file when my replacement card comes through.