Quick hello

[benhunt]

Hi. I'm Ben from near Chesterfield, Derbyshire.

I've been pursued by about 18 months by O2, then several flavours of debt collection agency, for a debt that I never incurred.

I went into a Carphone Warehouse in early 2011 to get an iPhone, after my work phone was taken back. They started putting the contract online with O2, but then the Carphone Warehouse system part crashed, and they couldn't actually process my payment. The guy apologised, and I left frustrated and empty-handed.

I went online on O2's website the very same day and ordered an iPhone there, which arrived the next day.

I've since been - I would say, harassed - by debt collectors chasing a £900+ debt, for a phone I never got.

But I'm determined not to give in. I would happily pay any debt of my own, but this isn't real, and I'm not going to be bullied into handing over a three-figure sum. I've told them I'm prepared to go to court if need be. I would rather spend the £900 on legal backup than hand it to these bullies.

The company names have changed. I don't know whether it's that the account has been sold on a few times, or whether they just try different brand names until you cave in.

Any feedback welcome of course.

- Ben

[benhunt]

Re: Quick hello

I forgot to add the names.

It started out as "Credit Solutions", then "Lowell Financial", then "Red".

And now it's some supposed "legal" agency, but I don't have the letter to hand.

All smells a bit fishy to me anyway.

[Guest]

Re: Quick hello

Hi Ben

Yes sounds like they have been playing pass the parcel with the unenforceable debt. It is extremely unlikely that there will ever be any legal action, the companies you mention depend on harassment mostly. If it doesn't bother you to much to get the occasional letter, I would ignore them, if they ring refuse to answer the security questions.

Otherwise you will have to write them a, I dispute any knowledge of the debt and threaten them with action from the OFT if they don't desist letter.
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There are template"prove it" leters on here the we can direct you to if you want to pursue that course

D