Help with Roxburghe??

bevan840

can someone help?

DarkConvict

All you cna do is send the prove it letter, make sure it is sent recorded so you have proof the letters were delivered.

If they do take you to court you can submit as your defence, you have sent x number of prove it letter asking for proof of your liability to the debt, but they have consistently ignored all your request and you are not willing to make any payment to a debt which may not be yours or enforceable in court. If they do go for court action (CCJ) 10past6 should be able to provide some hints to how to fill in the form.
If they bring proof of the debt to the courts, then you can take it away to discuss it, them failing to provide evidence is your defence.

magpiecottage

You will probably do better to send the template letter on this thread if it is not your debt - particularly as they are claiming to have not received the prove it letter.

Get proof of posting (free from the post office) but don't bother with recorded delivery.

bevan840

Ok, will do, hope it doesn't get to court though

bevan840

magpie do i send that one to the financial ombudsman? Roxburghe? or the Solicitor?

magpiecottage

Roxburghe.

If you get another threatening letter from the Solicitors after more than, say, a week after you have sent the letter, go straight to the Financial Ombudsman Service, including a copy of the letter and saying this seems to be how Roxburghe have responded.

bevan840

Thought I'd bump this one up a bit as received another letter today about this.

On 11th May, I spoke to OTELO who informed me to write and send a letter to their contact name and address at 3, I was told to wait 8 weeks for a reply, if nothing came to then ring them again.

We haven't heard anything from 3, but we have received a letter from Roxburghe this morning. It mentions how we apparantly agreed to make a payment which we have apparantly missed?? The last letter we received was on 16th March which was stating they would be requesting statements from 3.

16/03/2010
I am writing in reply to your letter received the 25th Feb 2010 concerning your Roxburghe account reference number: xxxxxxxx

You have requested information regarding Hutchinson 3G UK. My company is "Roxburghe UK" as I am sure you are now aware, we have been seconded by the firm £HFO Capital" to chase and collect outstanding monies due to them. HFO Capital, are a debt purchaser. In the year 2007 HFO Capital bought a number of delinquent accounts from "3G Hutchinson" Of which your details as follws:

Contract Start Date: 18/10/04
Dosconnection Date: 13/04/05
Last amount paid: £15.00 on 16/11/04
The above information suggests that the contract was not fulfilled and their terms and conditions not adhered to.

The outstanding balance was calculated as follows:
Original Balance: 251.64
Charges: 10.00
Interest: 137.75
Collected: 0.00
Misc Charges: 17.62 (What is a misc charge???)
Full Outstanding Total: 417.01

Please note that copy statements have been requested and will be sent to you shortly (Never received any)

It is in your best interest to settle the outstanding amount as soon as possible please contact us on the above telephone number.

Regards
Name

Does the above class as a response to a prove it letter?

If DH had this debt, surely it would show on his credit report wouldn't it?

Letter dated 07/06/10

You agreed to make a payment to Roxburghe (UK) Ltd. as part of a plan to settle your outstanding debt. (We didn't respond to the above letter as I rang OTELO) Your payment plan is a legally binding contract and your failure to pay constitutes a breach of your legal obligations under this contract.
As a consequence of your breach, an administration charge of £12.50 has been added to your account. Also any accrued interest will also be added back to your account in the event of continued non-payment.

We are concerned to understand why there has been a problem with the payment. If you consider that you have a valid reason for non-payment, you should contact us immediately so that details can be entered onto your file, which will allow us to remove the additional charges that have been added to your account.

To discharge your liability you need to make payment direct to this office.

If you have already brought your account up to date since the date of this letter, please contact us immediately to confirm the payment method and date.

Do not ignore this letter. You should act now by calling one of our advisors on 01932-332002.

Yours Sincerely
etc

Any idea's on what to do? Do I go back to OTELO? We are moving house next weekend should we notify them of our new address?

Any help/advice would be great!

fermi

bevan840 wrote: »

Does the above class as a response to a prove it letter?

Nope. All it has proved is that they don't have any real paperwork to back up any claim that you owe something.

bevan840

Does that mean that we don't need to do anything?

DVardysShadow

bevan840 wrote: »

Does that mean that we don't need to do anything?

I would sit there and if they get fidgety, I would just remind them that you are still awaiting the promised statements. Or if you have never dealt with Hutchinson, I would just tell them that.