Cabot, Mobile Phone

AutismMummy

I had a letter through this morning for £622 from cabot for EE now I don't recall having a phone contract with EE.

There has been £2500 made in payments from the period of 2010 to 2014 on the account between those dates I had severe mental health issues so I am having a job remembering what phone provider I was with at the time.

I asked them for a signed credit agreement so i could have look if it is me that signed it and they refused to provide me with one stating because it is a mobile phone contract they do not have to provide one.

They said I purchased it in carphone warehouse so I said well I would of signed an agreement the he still refused.

Is this right?

National_Debtline

Hi there and welcome to MSE,


Mobile phone contracts are not regulated by the Consumer Credit Act so they don't have to comply with a CCA requests (that cost £1). However, you could make something called a Subject Access Request. This is a more encompassing request for data under the Data Protection Act. It can cost £10 to submit and they have 40days to comply.


With this you can ask for a copy of the agreement, a breakdown of the account, details of where the account was set up etc. It is £10 whether you ask for 1 document or 100 so make sure you ask for what you think you need.


However, a simpler route may be to simply say to Cabot that you do not recognise the debt and ask them to prove it is you, and send the prove it letter. I have linked you to these sample letters to help, good luck,


Laura
@natdebtline