Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Lowell Chasing Recent 02 Account

    Hi All,

    Looking for a bit of advice. I am in the process of drafting a complaint to lowell about a 02 refresh bill which I had to default on earlier this year (out of work for a three months).

    Lowell are claiming 370.10 owed which when I looked at my 02 bills on 02.co.uk seems wrong. I think this relates to unpaid airtime till the end of the contract.

    I read somewhere that charging till the end of a mobile contract which is defaulted is deemed unfair under consumer regulations. Is this true? and if so can anybody point me to the regulations or relevant case law?

    Thanks

    Andrew


  2. #2

    Default Re: Lowell Chasing Recent 02 Account

    Yes under what ofcom have stated

    Pers i'd not bother with letter tennis unless you get a letter of claimicon
    Stop making powerless DCAicon feel important

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  3. #3
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    Default Re: Lowell Chasing Recent 02 Account

    Hi Dx,

    Im currently sitting on this I got there pre legal letter the other day.
    Im not particularly worried about it.

    If it turns out they are trying to collect the right amount i will offer them 75% F&F just to get rid of it.
    My way of thinking is if I complain to them it might just buy me a little time before they proceed to court as I have no way of countering this if they do.

    The account was defaulted in April and quickly sold on to lowlifes.
    No SB defence applicable.
    i have complained about the amount and asked for a breakdown on how they arrived at the figure they allege i owe.
    In theory they will have to go back to 02 for this so might just give me a bit of breathing space for a couple of weeks to get the finances together to get this paid off as I dont want a CCJ at this point.

    Curiously though this isn't showing up on Noddle or Clearscore

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  4. #4

    Default Re: Lowell Chasing Recent 02 Account

    dont offer them 75% of it. Theyve very likely paid the oC 10% of the total debt. Why pay it when you dont have to. Especially if its got unlawful charges in it.

    If you have their PaP pack, dont reply using it. Theres a link on this site with a pack y ou use to reply with.

    And CCJ? CCJ is a LONG way off. If it ever even happens. Theres a bunch of stuff that happens before it goes to a CCJ. Even if they filed a claim tomorrow, it would likely be jan or feb before it goes to court. Possibly later.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  5. #5
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    Default Re: Lowell Chasing Recent 02 Account

    Hi Renegadeimp,

    What sort of percentage would you suggest. Im going down the line of paying F&F if necessary.

    Thanks,

    Andrew

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  6. #6

    Default Re: Lowell Chasing Recent 02 Account

    0% Youll ge tmore advice soon. You need to find out why the debt was sold, how much are charges etc.

    Get a SARicon going to O2

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  7. #7
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    Default Re: Lowell Chasing Recent 02 Account

    Thanks RenegadeImp.

    SARicon form downloaded from 02 will get it in the post tomorrow.

    Thanks

    Andrew


  8. #8

    Default Re: Lowell Chasing Recent 02 Account

    yep offer nowt!!
    and no more silly letter tennis!!

    dx

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  9. #9
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    Default Re: Lowell Chasing Recent 02 Account

    Hi DX,

    Thats the general idea for now Im not certain I can beat this if and when it goes to court best Ive had so far is there pre legal assessment letter saying nothing much.

    Thanks,

    Andrew


  10. #10

    Default Re: Lowell Chasing Recent 02 Account

    have read of a few relevant claimformicon threads

    you'll soon get the idea

    using our search CAGicon box of the top redtoolbar use:

    Lowell claimform mobile

    or claimform mobile

    dx

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  11. #11
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    Default Re: Lowell Chasing Recent 02 Account

    Thanks for that DX


  12. #12

    Default Re: Lowell Chasing Recent 02 Account

    If theyre serious about going to court, youll get a PaP pack with a bunch of stuff to fill in. This gives at least 30 days before they issue a claim, and even then they might not. If you get one of those packs, come here, as they tend to change wording in it from what it should be.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  13. #13
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    Default

    Thanks for that Renagdeimp


  14. #14
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    Default Re: Lowell Chasing Recent 02 Account

    Quote Originally Posted by dcahater76 View Post
    Hi All,

    Looking for a bit of advice. I am in the process of drafting a complaint to lowell about a 02 refresh bill which I had to default on earlier this year (out of work for a three months).

    Lowell are claiming 370.10 owed which when I looked at my 02 bills on 02.co.uk seems wrong. I think this relates to unpaid airtime till the end of the contract.

    I read somewhere that charging till the end of a mobile contract which is defaulted is deemed unfair under consumer regulations. Is this true? and if so can anybody point me to the regulations or relevant case law?

    Thanks

    Andrew
    Its actually clarified and stated in the Unfair termsicon in Contracts for Communications and The Consumer Rights Acticon 2015

    https://www.ofcom.org.uk/__data/asse...0/guidance.PDF

    https://www.gov.uk/guidance/unfair-t...ses-full-guide

    Andy

    We could do with some help from you

    PLEASE HELP US TO KEEP THIS SITE RUNNING
    EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS



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  15. #15
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    Default

    Many thanks Andy


  16. #16
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    Default Re: Lowell Chasing Recent 02 Account

    Well got SARicon running to O2 this morning so will wait to see what this says prior to doing anything else. Thanks everyone for your advice everyone.


  17. #17

    Default Re: Lowell Chasing Recent 02 Account

    be aware they have a considerable amount of time to fulfil the SARicon request, so the DCAicon may take action sooner. Its unlikely they will but it is lowell.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  18. #18
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    Default Re: Lowell Chasing Recent 02 Account

    Thanks RenegadeImp I sent off a complaint last night. They emailed back this morning stating account on hold for 4 weeks so hopefully should get SARicon back in that timeframe if it turns out I have to pay this off then I should have the finances in place to sort this (got a Gibson Les Paul 67 for sale on eBay)


  19. #19

    Default Re: Lowell Chasing Recent 02 Account

    Why would you entertain paying them anything? If lowell have it then theres something wrong with the debt. And even if they file a claim, it doesnt mean theyre going to win, plus you can go to Mediationicon, and come to an arrangement to pay it off slow or at a low F&F. But all thats a fair way off yet.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  20. #20
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    Default Re: Lowell Chasing Recent 02 Account

    I suspect that part of this amount is a handset charge (Samsung Galaxy A5 2017) which I have bank records to prove I paid for the phone when I took the contract if the SARicon info states they are claiming for that then I can stop this stone dead the other could be airtime till the end of contract which again I can kill this. I'm just a believer in having a backup plan. Another point being I do not want to risk getting a ccj on my credit record.


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