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  • FIRST POST
    • stu-vfr
    • By stu-vfr 26th Nov 17, 3:57 PM
    • 14Posts
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    stu-vfr
    Pursued by a debt collection agency
    • #1
    • 26th Nov 17, 3:57 PM
    Pursued by a debt collection agency 26th Nov 17 at 3:57 PM
    My son is being pursued by a debt collection agency regarding mobile phone contracts he took out for him and his girlfriend.
    I am only just hearing about this and apparently the contracts were taken out several years ago so he can't remember many details and of course he has no paperwork.
    When he took the contracts out he and his girlfriend were unemployed. What I would like advice on whether it is reasonable to suggest that the company was negligent by allowing him to have the contracts in the first place.
    I look forward to any thoughts the community have. Thank you.
    Last edited by MSE ForumTeam5; 27-11-2017 at 2:21 PM.
Page 1
    • BoGoF
    • By BoGoF 26th Nov 17, 4:05 PM
    • 2,692 Posts
    • 1,935 Thanks
    BoGoF
    • #2
    • 26th Nov 17, 4:05 PM
    • #2
    • 26th Nov 17, 4:05 PM
    Not reasonable at all.
    • hollydays
    • By hollydays 26th Nov 17, 4:11 PM
    • 15,624 Posts
    • 11,420 Thanks
    hollydays
    • #3
    • 26th Nov 17, 4:11 PM
    • #3
    • 26th Nov 17, 4:11 PM
    How many years ago?
    • meer53
    • By meer53 26th Nov 17, 4:23 PM
    • 8,981 Posts
    • 13,046 Thanks
    meer53
    • #4
    • 26th Nov 17, 4:23 PM
    • #4
    • 26th Nov 17, 4:23 PM
    You could suggest it was unreasonable but don't expect them to agree with you. Checks would have been done at the time.
    • bris
    • By bris 26th Nov 17, 4:32 PM
    • 7,087 Posts
    • 6,104 Thanks
    bris
    • #5
    • 26th Nov 17, 4:32 PM
    • #5
    • 26th Nov 17, 4:32 PM
    Outrageous, how dare they treat unemployed people like anyone else. I agree with you, unemployed people should not be entitled to mobile phones or anything else for that matter.
    • theonlywayisup
    • By theonlywayisup 26th Nov 17, 4:38 PM
    • 11,400 Posts
    • 7,677 Thanks
    theonlywayisup
    • #6
    • 26th Nov 17, 4:38 PM
    • #6
    • 26th Nov 17, 4:38 PM
    Unless he was under 18 at the time of taking out the contract, I would suggest he is of the age to take responsibility for his actions.
    • stuartJo1989
    • By stuartJo1989 26th Nov 17, 6:48 PM
    • 284 Posts
    • 280 Thanks
    stuartJo1989
    • #7
    • 26th Nov 17, 6:48 PM
    • #7
    • 26th Nov 17, 6:48 PM
    Hi. This may not be the correct place to post this but here goes.

    My son is being pursued by a debt collection agency regarding mobile phone contracts he took out for him and his girlfriend.
    I am only just hearing about this and apparently the contracts were taken out several years ago so he can't remember many details and of course he has no paperwork.
    When he took the contracts out he and his girlfriend were unemployed. What I would like advice on whether it is reasonable to suggest that the company was negligent by allowing him to have the contracts in the first place.
    I look forward to any thoughts the community have. Thank you.
    Originally posted by stu-vfr
    Has he failed to pay money which he agreed to pay?

    If you were in your son's shoes and that was the case, what would you do?

    I imagine you'd pay your debt if you are a responsible person. Maybe a good opportunity to set an example and guide your son.
    • London50
    • By London50 26th Nov 17, 7:39 PM
    • 1,532 Posts
    • 1,446 Thanks
    London50
    • #8
    • 26th Nov 17, 7:39 PM
    • #8
    • 26th Nov 17, 7:39 PM
    If he is now employed he now can get in touch with the company and offer to pay off the debt {along with any charges for not contacting the mobile phone company/debt collection company when they first started chasing}so problem solved.
    • arcon5
    • By arcon5 26th Nov 17, 9:35 PM
    • 13,189 Posts
    • 8,357 Thanks
    arcon5
    • #9
    • 26th Nov 17, 9:35 PM
    • #9
    • 26th Nov 17, 9:35 PM
    Based on your logic you've just condemned unemployed, single mums, stay at home parents etc etc a life without telecommunications. Not just that but with such logic why not refuse them broadband connections, music subscriptions and every other possible contractual agreement they could enter in to.

    Teach your son to take responsibility for his actions by finding a legitimate solution to a problem he's found himself in. Such as a payment plan
    • Chickabiddybex
    • By Chickabiddybex 27th Nov 17, 11:35 AM
    • 1,222 Posts
    • 1,502 Thanks
    Chickabiddybex
    If you give more details we might be able to give more specific help.

    However, this issue aside it sounds to me as though your son seems to think it's ok to not pay for things and it worries me that he might be bad with money and needs some education. Otherwise he could go to a payday loan company or do things that get him into more and more debt until it's out of control. This is a bad habit to have, so you need to make sure he knows. He could well have more debt already!

    There is some great debt advice here: https://www.moneysavingexpert.com/loans/debt-help-plan
    Hi. I'm a Board Guide on the Gaming, Consumer Rights, Ebay and Praise/Vent boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with abuse). Any views are mine and not the official line of MoneySavingExpert.com
    • fatbelly
    • By fatbelly 27th Nov 17, 6:07 PM
    • 11,638 Posts
    • 8,773 Thanks
    fatbelly
    His girlfriend's age/status are irrelevant if he was the one who took out the contracts. How old was he at the time?
    • worried jim
    • By worried jim 27th Nov 17, 6:10 PM
    • 8,757 Posts
    • 13,372 Thanks
    worried jim
    His girlfriend's age/status are irrelevant if he was the one who took out the contracts. How old was he at the time?
    Originally posted by fatbelly
    Old enough to contact a company, do due diligence and product research, agree terms and conditions and take the products and services. Definitely old enough to pay the bill.
    "Only two things are infinite-the universe and human stupidity, and I'm not so sure about the universe"
    Albert Einstein
    • fatbelly
    • By fatbelly 27th Nov 17, 6:41 PM
    • 11,638 Posts
    • 8,773 Thanks
    fatbelly
    Was he 18 or over at the time?
    • stu-vfr
    • By stu-vfr 6th Dec 17, 8:10 PM
    • 14 Posts
    • 0 Thanks
    stu-vfr
    Not sure, sorry.
    • sourcrates
    • By sourcrates 6th Dec 17, 8:13 PM
    • 12,668 Posts
    • 11,995 Thanks
    sourcrates
    Not sure, sorry.
    Originally posted by stu-vfr
    How old is he now ?

    how old was he when he took out the contracts ?

    Can you ask him ?
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • stu-vfr
    • By stu-vfr 6th Dec 17, 8:29 PM
    • 14 Posts
    • 0 Thanks
    stu-vfr
    How many years ago?
    Originally posted by hollydays
    Sorry, I'm not sure.
    • stu-vfr
    • By stu-vfr 6th Dec 17, 8:41 PM
    • 14 Posts
    • 0 Thanks
    stu-vfr
    Outrageous, how dare they treat unemployed people like anyone else. I agree with you, unemployed people should not be entitled to mobile phones or anything else for that matter.
    Originally posted by bris
    Thank you for your reply. If you are trying to be humorous, try harder. I'm asking for advice not to be made fun of.
    • stu-vfr
    • By stu-vfr 6th Dec 17, 8:50 PM
    • 14 Posts
    • 0 Thanks
    stu-vfr
    Based on your logic you've just condemned unemployed, single mums, stay at home parents etc etc a life without telecommunications. Not just that but with such logic why not refuse them broadband connections, music subscriptions and every other possible contractual agreement they could enter in to.

    Teach your son to take responsibility for his actions by finding a legitimate solution to a problem he's found himself in. Such as a payment plan
    Originally posted by arcon5
    That is absolutely not my logic and what a ridiculous thing to say!
    I have asked for some advice and didn't ask for sarcastic statements or parenting advice from prats like you. PLEASE TROLL SOMEBODY ELSE!
    • zippygeorgeandben
    • By zippygeorgeandben 6th Dec 17, 8:51 PM
    • 717 Posts
    • 902 Thanks
    zippygeorgeandben
    What I would like advice on whether it is reasonable to suggest that the company was negligent by allowing him to have the contracts in the first place.
    I look forward to any thoughts the community have. Thank you.
    Originally posted by stu-vfr
    The company have not been negligent here. I don't think that posters are trying to make fun, just probably showing frustration that your son doesn't seem to want to take responsibility for a decision he made, whether 3 months ago or 3 years ago.
    Lots of people on these forums accrue debt through absolutely no fault of their own, situations they cannot take control of and couldn't predict. Your son made the decision to take out not one, but two phone contracts despite having no money to pay for them. He would have signed contracts and credit checks would have been done at the time. He might be being a bit vague with the background as he may have filled out some of the paperwork creatively!
    End Sep 2016 End Nov 2017
    £8236.57 £0
    (Tesco 4.8%) £0pcm
    £6185.75 £0(Zopa 4.0%) £0pcm

    £5344.50
    £2470.04 (Sainsburys 0% until 06/19) £140pcm
    £2000.00 £933.36 (Sister 0%) £133.33pcm

    Total debt
    £19.766.82 £3403.40 Original DFD May 2019.
    • elsien
    • By elsien 6th Dec 17, 8:56 PM
    • 15,415 Posts
    • 38,690 Thanks
    elsien
    If he doesn't recall the details of the debt, he could send a "prove it" letter, to check the amount he's being chased for is correct. But at some point he's going to have to pay; can he afford it or does he need to sort out a payment plan?
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
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