I need help please

blackandwhite0796

I have been contacted by a debt company about a debt i never knew i had. They have bought this debt of t-mobile the problem is i did not know i owed anything when i left t-mobile as they told me i did not owe anything when i left this is the first time i have been contacted by anybody about this since i left t-mobile 3 years ago.

I wrote back to the debt company saying i did not owe anything and asked them for evindence that i did owe money to which they wrote back to say it was up to me to prove to them i did not owe any money. I have since been told that they have got to supply the evindence that i owe the money can anybody put me right on this matter. The debt they say is £44.00 i know its only a small amount but its the point why should i pay if i do not owe anything.

tomjonesrules

Which collector is it that has contacted you? Your advice is correct, they cannot expect you to pay without (them) providing some evidence of the debt. If you do a search for the name of the debt collector you'll no doubt find examples of other people in your situation, and how people have dealt with them.

hcb42

did you move house at the same time you switched contracts and got no further post?

if not, then it would be odd to be out of the blue like this, and the onus would still be on them to provide proof.

unholyangel

Yep, as others have said....its up to them to prove the debt is owed, not the other way around.

There are quite strict guidelines on what debt collectors can and can't do. I was going to paste the link but upon visiting it, its not loading.....but i'll paste it anyway in the hopes it will be working in the morning. Its been a while since I've read it, but i'm sure it also details who to complain to if a debt collector is not following the guidelines.

The link is:
http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

wealdroam

The sample letter shown here may be useful.

You will see from that that you do not have to prove no debt exists.

There are other sample letters on that thread which may help too.

Evilm

They are lying. Its up to them to provide proof of what the debt is for. If they can't do that they can't collect it.

McKneff

And when you send the 'prove it' letter, make sure you DO NOT SIGN IT, print your name at the bottom only
some of them are good forgers lol

blackandwhite0796

Many thanks to everybody the advice has worked a treat

blackandwhite0796

many thanks the letter has worked a treat