When you BUY something, it's yours :P

See terms and conditions of credit application. Principle/Issuer may at any time, without notice assign the Account, any sums due or owing on the Account.

"All Charges, deposits or advance payments payable shall be discharged in such manner, time or methods as Vodafone may designate." Would this cover their actions?

Can't see anything else in the terms that mention a third party collection agency...

Eamonn O Brien, that company bought a debt, so it's there's....period.

They can try to sell it back to the person, you happen to have in your pocket, your choice will be YES, or NO.

This is correct Pete... the collection agency does not have a contract with you Eamonn just because they bought your debt. They understand the risks and that you may not want to buy it from them. The answer is YES or NO...I say NO :) You could also negotiate a generous discount since they bought the debt at a very steep discount themselves. Remember the collection agency is motivated to sell to recover their investment at the very least lol!

because they buy your debt: No, it was not even MY debt, they have bought a debt...

You could also negotiate a generous discount since they bought the debt at a very steep discount themselves WHY ? :-o

That collection agency will have to suplly an INVOICE with what I have bought from them, and then I'll pay :P

If they can't do that, fuck them... :D

Negotiate with a collection agency is one of the most stupid thing to do :D

I stand corrected...they bought "the debt". Why? Good question Pete. Collections agencies have been known to make false claims against the PERSON and fuck up the PERSON's credit. Does this matter?

Pete, stupidest thing is file a defence against a claim, then argue that there is no injured party nor harm done by NOT negotiating.

*sigh*

I WANT TO PAY.....I ALWAYS WANT TO PAY, just show me what I have bought, and that comes with an INVOICE with the goods and/or services I had BOUGHT.....

This is BASIC SHIT....

I have beated 3 of these idiots collection agencies, and there is NO BAD MARKS on PIERRE DAOUST's credit, neither on SFC Inc's one......

Awesome Pete...it all come's down to knowing how to administrate your shit

The basics are.... 1).Oh yes, I want to pay 2). Send me the invoice please, I'll cut a check as soon as I receive it. :P

They better send you an invoice in regards with something you've bought, because if they don't, IT'S FUCKING PURE FRAUD...

Cheers lads. Again, I should trust my instincts :-P

Yeah I had a medical bill that I couldn't pay. I was happy when they sent it to collections. I asked for a copy of the contract etc and they don't want to contact me anymore for some reason.

in most instances collection agencies do not bother to even validate the debt they are trying to recover

Hmmmm, if I want a car, but don't have the funds available to buy it, and some good samaritan comes along and takes care of the debt, without my asking....do I 'owe' this good samaritan anything?!? Debt collector = good samaritan of the finance world. Thank him for his good deed. If I'm a cute girl in a bar and a nice guy buys me a drink, do I owe him 20 minutes of conversation, a blowjob or more? Debt collector = 'nice guy' of the nightclub scene look up the legal definition of 'nice' I have a special affection for debt collectors because they help clean up any administrative errors I may have overlooked :D