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  • #1

    Contract

    I received on March 8th a letter titled Arrears of CCJ as apparently in Summer 2021 a CCJ was filed against me in court. I've had family at this address for at least 15 years, and I've not had problems with post going missing so I know I've not received any court summons.

    I typed and sent a letter on the 14th March a debt "prove it" letter by first class post, I sent this letter because all the letter I received it mentioned that I had to pay £120 a month. There was no mention of who the money was owed to so I asked for that information.

    The debt collection agency solicitors didn't reply to that (they said they were unable to find my letter) so I received a Notice of issue of warrant of control so I replied back to the court saying that the solicitors hadn't replied to my request for information about my debt.

    The day after I received that I wrote again to the solicitor asking for details of this debt they are saying that I owe.

    The solicitor finally did respond and say that they were instructed to collect from a debt collection agency for an account previously held for a mobile phone network. They said that if a contract was obtained online or over the phone that a contract wouldn't exist so they won't be able to provide one, they also said that the client is not obliged to provide me with any documents regarding the debt that I requested.

    On 28th July I received a letter from the court saying that their letter will explain what the debt is about but that is just court fees listed. Also we have had someone knocking from the court twice but I can't accept anything they want to give me until I've had a chance to have a solicitor explain to me what all this means. (I'm hoping to find someone over the weekend that we can speak next week).

    I don't recall ever having a contract with this provider, I've only been with another one for the past 8 years.

    Any suggestions for help or what I should do greatly appreciated

    Tags: contract, court, debt, phone
  • #2
    • Type of account
    • Date commenced
    • Approx balance £
    • Date last paid
    • Are you on arrangement £
    • Status defaulted
    • Account owner
    fill in as much details as you can people for a start = by the way welcome.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
    • 2 likes

    Comment

    • #3
      Apologies for the delay replying, this is causing me so much stress


      Type of Account: Mobile Phone Contract
      Commenced: 2018
      Approx Balance: £350
      Last Paid: 2019
      Defaulted


      My confusion is that I had a contract with another provider and somehow a second contract has been taken out with another provider.

      I asked the collection agency for a copy of the contract and they told me it was taken out online there won't be a physical contract.

      I'm also concerned that as they issued a CCJ (I didn't get a chance to put in a defense) I am being told I owe court fees too.

      Comment

      • #4
        If it is with Post Office then they have passed it on to Shell who has passed many closed accounts to several DCAs and others since they closed down telecom dept. They appear to have lost all their electronic data files and are unable to reproduce the so-called bills they say you haven't paid, including the default and assignment notices.

        Seems someone has not done due diligence or is claiming they have when the haven't.

        Currently dealing with one such bottom feeder after another as they are unable to provide any proof that there is a debt - which is disputed - and they just pass it on to a new bottom feeder.

        Comment

        • #5
          Yes it's very concerning, the debt agency says that the contract was obtained online so no copy of this exists anywhere, they also say they don't need to provide any other information to me, but I must pay this contract (which I don't recall ever having a contract with as I was with someone else) I am also being confused how they can have a CCJ issued without having to provide a contract.

          The provider in my case isn't post office

          Comment

          • #6
            Originally posted by DJPB83 View Post
            Yes it's very concerning, the debt agency says that the contract was obtained online so no copy of this exists anywhere, they also say they don't need to provide any other information to me, but I must pay this contract (which I don't recall ever having a contract with as I was with someone else) I am also being confused how they can have a CCJ issued without having to provide a contract.

            The provider in my case isn't post office
            It seems that the CCJ will be by default! But the Court Notice would have to have been sent to you! Seems this wasn't the CASE
            talk to Colin G Quinn initial interview is free

            Comment

            • #7
              Hi, my email address is in the legal disclaimer below, if you want to contact me.
              Legal Disclaimer

              I am a Litigation Executive at               Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at colin@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk
              • 2 likes

              Comment

              • #8
                Originally posted by Colin G Quinn View Post
                Hi, my email address is in the legal disclaimer below, if you want to contact me.
                That will be useful .,easy contact
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
                • 1 like

                Comment

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