Graham White/Roxburghe/3g

sophie101_2

Hi

I wonder if someone can help me? I had a phone contract with 3g back in 2004, I unfortuately defaulted on this but had not heard anything from them for a long time. I recently moved address and started getting letters from a company called roxburghe. As the debt was so old i ignored the letters but today i got a call at work from graham white solicitors, i basically said i wouldnt talk to him about the debt and that they must prove i owe money as i am not sure i do. he said they have sent 5 letters (i am pretty sure this is wrong) and that the last payment was made in July 2004 - i said i wanted written proof of the debt and he told me he would send this out. Am I correct in thinking that as the last contact was more then 6 years ago I no longer have to pay?

I appriciate any help on this as i am confused about all of this and i want to know what to say if they call again - the man who i spoke to was quite intimidating.

thank you

Tixy

If you write to request proof of the debt they must send this out to you - template letter here - http://forums.moneysavingexpert.com/showpost.html?p=11570893&postcount=2

If the debt is statute barred - that is that you have not made a payment in 6years and have not acknowledged the debt in writing in that time and presuming there is no CCJ - then if you write to them to say that you are aware the debt is statute barred and do not intend to pay they have to stop hassling you - until then they are allowed to chase you for this debt.
Factsheet | Liability for Debts and the Limitation Act (England/Wales)

Edit - if they call again refuse to answer any security questions, tell them to write to you and hang up.

fatbelly

FYI Roxburghe/Graham White Solicitors are a bottom-end debt collection agency who probably bought this account for £1 when it went statute barred in July.

I'm kinda surprised they didn't tell you that you made a payment in 2008!

roxgra

The Roxburghe and Graham White Scam

IF YOU EVER RECEIVE A LETTER FROM THESE PEOPLE YOU MUST READ THIS.

Who are they?

They are one in the same. Roxburghe debt collectors and Graham White solicitors operate out the same building, but like to fool you they are separate. Graham White solicitors are a one man band solicitors company run by Michael Sobell (a corrupt council worker at Hackney county council). He uses the name Graham White so that when you search for it, it brings up the real Graham White solicitors company and fools you into believing you are dealing with a real firm of solicitors. They employee monkeys that send you the letters and ring you. However, the monkey in Roxburghe debt collectors is sitting on the next desk to the one that sends you the letters from Graham White Solicitors.

When does a debt go to these fools?

It goes to these fools when the debt is unenforceable (over 6 years old), when paperwork has been lost, or when it legally is questionable. If you are going to be taken to court for something, it would have happened by now by the people you originally owed the debt to. If these scammer are now contacting you, it will never go to court and you have nothing to worry about.

Should I argue or question the debt?

No! They do not care whether you owe the money or not. Someone has sold them a debt without any evidence or paperwork. They have no way of checking or validating any claims or arguments you make and will therefore ignore them.

Why does it go to these fools?

Because they are a last resort. They know they would never will in court and therefore rely pure of on scare and intimidation tactics.

How do they operate?

Stage 1: They send you a string of letters to scare you. They will never tell you why you owe the money and for what. The reason for this is that they do not want you know the massive amount of charges they have added. Charges that would never be accepted if it went to court. They will pretend they have powers they do not, such as making you bankrupt, having the right to send debt collectors to take your goods (which requires a warrant of execution) or even lie and pretend that it has gone to court already and that you have lost the case.

Stage 2: They will start calling you. All the usual tactics will apply.

Why would they never win in court?

1. Because they use scare and intimidation tactics – which would cause the judge to throw the case straight out.
2. A court would never accept the massive fees and charges they add
3. The debts they chase often do not exist or are unenforceable, eg the paperwork is lost and are over 6 years old

How do you deal with them?

You don’t! Point blank, point simple. You store and ignore their letters and hang up the phone. You never discuss anything with them where they trick you and draw you into traps.

What will they never do?

They will never go to court. They will never send debt collectors to your house. They cannot make you bankrupt or any other of the threats they make.

Why is it pointless paying?

Because the companies that use them will have already damaged your credit rating. It’s too late. They also have no way of making you pay.