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| Debt Collection Debt collection statutes, state and federal law, etc. |
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#1 |
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My daughter has received a collection notice for $666.98 from a collection agency for an account she had several years ago with Bell Mobility. She had set up the bill in her name and showed her boyfriend's name as the user. They subsequently broke up and he said he would take care of the bill and transfer it to his name. A year ago she tried to set up an account for her own phone with Bell. They told her then that the account had an amount due. She explained the situation to the Bell representative who told her to never mind and that the only problem would be that she would not be able to set up an account with Bell. Today, Oct 27, she received the notice dated Oct 23, with expectation of payment in 5 days, which would be tomorrow. The issues are as follows:
She was told by a Bell representative that she did not have to pay the bill. She has never received a statement since her breakup with her boyfriend, who apparently not only changed the address on the statement - which would indicate intent to pay - but also changed the name on the account to a combination of his name and her name. The bill is now in the following format - his surname-her surname, her first name-his first name. At no point was my daughter contacted for approval for these changes. Can she still be held responsible for this bill when we feel that Bell negated their contract by changing the address and name on the bill without her consent, thereby affecting her credit rating? |
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#2 |
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She is responsible to pay if she used the services and agreed. If they damaged her in some other way, she could sue them in small claims.
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#3 |
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The phone was used by her boyfriend. She never had the phone in her possession. She did it as a favor for him ('cuz she was young and in love). He had the phone at the time of break up and he changed the name and address on the bill. She has not received any bills from Bell since the break-up so she assumed he had taken over responsibility of the phone like he said he would. He changed the name to a variation using both of their surnames and given names. I don't know why Bell allowed something so ridiculous. My daughter was never asked for permission to change the name and address. I know she should have cancelled the phone at the time of break-up but she was being nice and now she is paying for it!
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#4 |
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She can sue the bf in small claims court if need be.
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#5 | |
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Its important that she clears her name, pay the dept and then she can claim it by sewing her ex bf. Collection agencies have sent you plenty of notification letters and no one has settled anything. You can state any excuse you want and what may not be fair to u but lesson learned today. She has a contract and its her responsibility to deal with it. Make an arrangement and settle the account! PAY IT |
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