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help with "red" collectors please

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Comments

  • coupebrett
    coupebrett Posts: 13 Forumite
    Thanks for the advice I really appreciate it.
    I will wit and see what comes back from them but if they do rove that the debt is mine what would you offer as a settlement figure if the original debt was £1368?
    Thanks again
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Service agreements dont have to be signed, by using the handset you agree to the terms. Op did you have an 02 contract? Ask o2 if its owed direct.

    The advice above is flawed, as it relates to cca
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • coupebrett
    coupebrett Posts: 13 Forumite
    chanz4 wrote: »
    Service agreements dont have to be signed, by using the handset you agree to the terms. Op did you have an 02 contract? Ask o2 if its owed direct.

    The advice above is flawed, as it relates to cca

    Yes I did have an O2 contract but I wasn't aware tht I owed anything on it till the other day
    What would be your advice then please?
    Thanks
  • Growurown
    Growurown Posts: 5,498 Forumite
    Debt-free and Proud!
    coupebrett wrote: »
    Yes I did have an O2 contract but I wasn't aware tht I owed anything on it till the other day
    What would be your advice then please?
    Thanks

    I would still write to them. You say you weren't aware you owed anything so maybe you don't. OK so there's no signed contract but you need an explanation as to why they think you owe them this money. You can't argue your position if you don't know what the charges are for.
    DMP Mutual Support Thread No. 421

    Debt free date 25/11/2015 - Made It!
  • Anthorn
    Anthorn Posts: 4,362 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Even if there is no physical written signature there must be something which identifies you such as a direct debit mandate. I would still ask them for a full statement and proof that the debt is yours and also verify that you have lived at the address where the service has been delivered: It could be a stolen identity and the O2 contract you remember might not be the same one. So in conclusion you need information about the debt.
  • coupebrett
    coupebrett Posts: 13 Forumite
    Thanks again for all the help, I will wait to see what they reply with
  • Anthorn
    Anthorn Posts: 4,362 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    chanz4 wrote: »
    The advice above is flawed, as it relates to cca

    What do you men by cca and which parts of the advice are flawed?

    Consumer Credit Act? Court Of Criminal Appeal? Climate Change Agreement? Circulating Cathodic Antigen?
  • Growurown
    Growurown Posts: 5,498 Forumite
    Debt-free and Proud!
    Anthorn wrote: »
    What do you men by cca and which parts of the advice are flawed?

    Consumer Credit Act? Court Of Criminal Appeal? Climate Change Agreement? Circulating Cathodic Antigen?

    :rotfl::rotfl::rotfl:

    I wondered this too!
    DMP Mutual Support Thread No. 421

    Debt free date 25/11/2015 - Made It!
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