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.
hi all,on 31/07/2004 someone used my name and address and ordered a mobile phone from o2 via the internet....they chased me saying that i ordered it and had to pay for it.....did i heck.....after about 10 phone calls to them they said they will look into it for a fraud....i never heard from them again...thought case closed......how stupid of me......i recd a credit report from experian today and when going through it i have noticed that they have defaulted me for £70.00 on the 31/07/2004......i recd nothing from o2 saying this and i am not a very happy person as i was not aware of this....any advise please will be extremely welcome...any phone no's etc as quite hard to find and get hold off....cheers all and keep up the good work....paul
Okay write to o2 saying that you will take court action if they do not rectify the default on your credit file, advise them that they accepted it was fraud in 2004, and you are disgusted that through no fault of your own, you will have a bad mark against your name.
Click on the above link to place your order - payment by Paypal.
_________________________ _______
Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.
DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.
Advice given is purely my opinion, and is not based on any legal training.
thank you and good luck with the woolwich dpa.. recd all of my charges back yesterday from them over £1,000......donation sent for the good work this site does...cheers paul
hi , had 7 emails between me and them and finally they have found out about this account....they are saying not sure if they can remove the default..also phoned them and they said there fraud dept will contact me...2 days ago but no phone call....does anyone have any templates that i can use to send to them....thanks paul
Before ANYONE enters a "Default Notice" on your credit reference file, they MUST send you a "Notice of Default" letter, BY LAW.
Ive been told by orange that the credit file entry shows that I defaulted on the account, and is not an indication of a notice of default being sent out. Its just a reference to the account history. I *never* received a notice of default, and Im currently still trying to find out about this.
o2 are usually fairly amicable at sorting out this sort of thing in my experience. If you want to PM me I can give you a landline number to customer services head office, they are usually very helpful.
Don't accept that they can't remove the default - of course they can, and they know it! Accept nothing less and get everything in writing. Send them letters by at least recorded delivery and ask them to acknowledge receipt within 7 days in writing.
Ive been told by orange that the credit file entry shows that I defaulted on the account, and is not an indication of a notice of default being sent out. Its just a reference to the account history. I *never* received a notice of default, and Im currently still trying to find out about this.
Any clues?
You need to go higher up the food chain so send a letter to their data contoller headed in bold "Notice of Intended Proceedings" Reiterate your story not forgetting to ask them do they really need anymore bad publicity about their readiness to give honest folk a bad name. There was a lot of publicity a couple of years ago about just this sort of thing.
Give them 14-21 days to respond otherwise you will issue proceeding for defamation. You also need to find out if you have suffered as a direct result of this. For example have you taken out any loans & had to pay an enhanced rate of interest. If so & you can get your lender to confirm then you are entitled to claim that increased cost as part of any special damages.
Remember the difference in charges over the a couple of years could be quite considerable. Also if any loan is ongoing you should include those extra as yet unpaid charges as part of your damages claim
Also write to the credit reference agency telling them that you dispute the record & they will remove it whilst they ask O2 to confirm the information is correct. They will also contact every company who has searched your credit file since its inclusion to explain that the default is disputed
re:o2 defaulted me over a stolen phone
from o2 via the internet....they chased me saying that i ordered it and had to pay for it.....did i heck.....after about 10 phone calls
Reply With Quote
Originally Posted by StoneLaughter
