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Mobile phone debt with dca

kenchov1
kenchov1 Posts: 92 Forumite
Ninth Anniversary 10 Posts Combo Breaker
in Debt-free wannabe
I have a mobile phone bill that is now with DCA agency from 02...

I cant remember ever having anything with 02 and They have no signed agreement from me... I also have mark on my credit file that this debt was ever taken out.

Any advice?

Comments

  • rizla_king
    rizla_king Posts: 2,895 Forumite
    kenchov1 wrote: »
    I also have mark on my credit file that this debt was ever taken out.

    You do or you don't have this debt on your credit file? Not clear from what you say there?
    Still rolling rolling rolling...... :) <
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  • kenchov1
    kenchov1 Posts: 92 Forumite
    Ninth Anniversary 10 Posts Combo Breaker
    Sorry.. There is no mark on my credit file for this debt what so ever
  • soontobemrsg
    soontobemrsg Posts: 199 Forumite
    kenchov1 wrote: »
    Sorry.. There is no mark on my credit file for this debt what so ever

    Have you checked all 3 reports?

    You could send them the 'prove it' letter or just ignore if it's not showing on any of your reports.
    BYS # 7 £0 /£1000
    Quit smoking Sept 2013 - Saved £525 (4/12/13)
  • rizla_king
    rizla_king Posts: 2,895 Forumite
    Tell them to do one then, or just ignore.
    Still rolling rolling rolling...... :) <
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  • kenchov1
    kenchov1 Posts: 92 Forumite
    Ninth Anniversary 10 Posts Combo Breaker
    Yes ive checked all reports and not a jot.

    And if someone would be so kind to answer these aswell

    - I have DCA contacting me from a payday loan.. They payday loan was paid off and it shows on my credit file as zero balance and satifsed. What should i do with these?
    - And also a DCA keeps contacting me on a debt that has now passed 6 years since any type of payment has been paid
  • soontobemrsg
    soontobemrsg Posts: 199 Forumite
    kenchov1 wrote: »
    Yes ive checked all reports and not a jot.

    And if someone would be so kind to answer these aswell

    - I have DCA contacting me from a payday loan.. They payday loan was paid off and it shows on my credit file as zero balance and satifsed. What should i do with these?
    - And also a DCA keeps contacting me on a debt that has now passed 6 years since any type of payment has been paid

    ignore them all. If the letters really do start getting you down send them the 'prove it' letter that's on a sticky on the main board and see what they come back with. The onus is on them to prove you owe the debt.
    BYS # 7 £0 /£1000
    Quit smoking Sept 2013 - Saved £525 (4/12/13)
  • Tixy
    Tixy Posts: 31,455 Forumite
    edited 2 October 2013 at 4:17PM
    DCA re the payday loan - ignore or send the prove it letter to start

    DCA re a debt more than 6 years old - ignore or the prove it letter or possibly the 'prove it but it would be SB anyway letter'
    Letter when you know nothing about about the debt - AKA "Prove it" letter

    http://forums.moneysavingexpert.com/showpost.php?p=34906257&postcount=5
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
This discussion has been closed.
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