Phone bill debt collection letter

ptvw

Hello -

I recently received a letter from a debt collection firm saying that I owe 100 pounds on a phone contract which I signed in October 2006. They said my contract then went on to default 7 months later.

I did have a phone contract around this time and was unhappy with the service I received and wanted to cancel it.

They of course refused so I simply stopped paying and cancelled the direct debit.

They said they cannot send me a signed copy of the agreement because I digitally signed for it.

What are my options?

Thanks

PTVW

grumbler

I don't see any reasons for this debt not to be legitimate.
You already have your credit history trashed.
Your options are:

1. To pay
2. Not to pay

They are unlikely to get a court decision and send bailiffs, but they will keep chasing you for a while. Be prepared.

Gordon_Hose

Ok so mobile phone debts aren't subject to the Consumer Credit Act as they are a service agreement. As such they don't need to supply you with a copy of the agreement.

If you digitally signed, then the "tick in the box" makes it an enforceable agreement.

Up to you what you do really. Like grumbler says, they'll hound you forever and a day.

timberflake

So you were tied into a contract, weren't happy for whatever reason so cancelled your direct debit?

If that's correct, pay up, you owe the money. You can't just stop paying for things as you see fit. You may not be happy with something, but there's a proper way to deal with things.

ptvw

timberflake wrote: »

You may not be happy with something, but there's a proper way to deal with things.

Like going on an IVA and shafting your lenders for 20% of your debt?

robt_2

Sounds like someone didn't get the answer they wanted.

You have admitted the debt is yours and is legitimate so end of thread surely instead of lashing out?

timberflake

ptvw wrote: »

Like going on an IVA and shafting your lenders for 20% of your debt?

Correct, the proper way of doing things. I didn't simply decide I didn't want to pay any more, I dealt with each and every lender in the proper manner.

Don't try to lecture me on "shafting", you've shafted the mobile operator, just pay the £100 you owe and move on, what's the big deal?

EDIT: And I actually paid 100% of my debt back, I simply had the interest frozen.

ptvw

what a great story.

timberflake

ptvw wrote: »

what a great story.

I can see you're not going to last long round here

chanz4

happy troll day, op you owe it and they can enforce it have a nice day

Guys_Dad

I have just read this thread and then looked at your other posts. What an illuminating insight!

The posters who told you like it is have my 100% support and you deserve no sympathy. If you don't settle genuine debts and then spend large sums on other items, you are bringing it all down on your own head.