Demand For Payment help please

ibleedred

Hi all,

Could I ask for a little help please.

Am I right in thinking, that if you get a letter from a collection agency, in this case it is LCS Civil Enforcement, that they have to prove this debt to me when requested?

I received a letter posted on saturday saying that I owe £323.87p (not a lot I know), I called them and left a voicemail, and they called me back today.

They said it is for a unpaid moble phone bill 2 years ago, and to be honest this could be the case, because I was terrible with money back then. But, I asked them over the phone for proof of this debt, because as I spoke to the lady I asked her why I should just pay this amount without any confirmation that this is the amount I am supposed to owe.

I know there is some sort of template letter on this site somewhere, but I have searched and can't find it.

Could someone confirm if I am right or wrong please?? and if I am going the right way about it???

Thank you for any help.

poorandindenial

hi I bleed red

I just saw you hadn't had any responses yet so I thought I would pop in and say hi and mention that https://www.nationaldebtline.co.uk have some letter templates that you can use.

I am not sure whether mobile phones are Consumer Credit Act debts but if they are you can request a copy of your agreement regulated by the CCA (the letter is on the site)

All that said, until they prove that you owe this money you don't have to pay. I think there are letters for that too.

When you send a letter don't sign it and if you request a coppy of your CCA agreement then you should send a £1 postal order (not a cheque or anything that you have to sign)

All the best getting this sorted

boredofbeingathome

HI and welcome to the forum, there are some letters in this thread which should help..Good luck

http://forums.moneysavingexpert.com/showthread.html?t=963087

ibleedred

Thank you.

Would I just send the CCA Letter?? the one were I send £1 and request proof of the debt?

Would this be the right one? and do you pay it via a postage note made payable to the debt agency?

Deep_In_Debt

Postal orders don't need to be paid to anybody - just ask the post office for £1.00 PO and they can do it without a payable name on it. Do send the letter recorded delivery and check when they receive it.

Ames

I've just read on another thread that mobile phone contracts aren't covered by the CCA, sorry.

ibleedred

Ames wrote: »

I've just read on another thread that mobile phone contracts aren't covered by the CCA, sorry.

I read that as well....

But, does this mean that they don't have to prove how I owe the money?? Because surely, if they don't, they can just send out letters to anyone who has had a phone contract a few years ago.

On the phone, the lady said that all they needed to go to court was my name, basic details, and the fact I had a debt - but that they didn't have to show me any proof??????

I find it very strange - seeing as i told them I would happily pay if someone could show me WHY I owe over £300.