Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Got an o2 mobile on contract and up until October i paid my bill on line. However October the 10th i set up a direct debit. This was using a brand new bank card with a different security (last 3 digits on back of card) number than my old card. O2 are the only company to have those details.
My first direct debit came out the begiinning of November and thats fine and this states direct debit on my bank statement.
However a further 2 payments have come out from O2 for the sum of £30 each that has nothing to do with my mobile phone payment as they do not show on mobile phone account.
On the statement it says "prep" which from what i believe its pre payment and looks like someone is topping their phone up with my bank details. As they are the only ones to have my details and since its since the direct debit was set up im inclined to believe it someone in o2.
I have cancelled my bank card and informed the fraud department in my bank but o2 are giving me the run around. Someone was supposed to phone me back after i faxed off my bank statement. They never rang. I have been passed backwards and fowards to various departments. I eventually got told i needed a 'ged number' from my bank so o2 can trace the transaction. I got told its traced back to my account (meaning mobile account). Dont see how someone topping their phone using my bank details is anywhere connected with my mobile account.
Anyway promised they would contact me back but yet again they havnt. It seems they are not taking this serious enough after all its theft and fraud.
Anyone give me any advice on whati should do. Want to ring them tomorrow and ask for full refund as im fed up of waiting.Thinking of threatening them with a letter to OFCOM and cancelling my contract. Anything or anyone else i can use to help me get my money back.
The first step, if not already done, is to ask your bank to reverse the direct debit payments of £30 under the direct debit guarantee.If your bank say it can't be done tell them they are wrong and they must do it under the so called DD guarantee.
Its not a direct debit, its seperate card payments. I set up the direct debit and a dd payment has come out which is correct.
Since then 2 stand alone card payments have come out with "prep" on my statement.(To top up somebodys phone i presume) of £30 each.
This has only happened since i gave them my bank details as no one else have them as its a new card.
o2 unathorised transactions
. This was using a brand new bank card with a different security (last 3 digits on back of card) number than my old card. O2 are the only company to have those details.
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