Hi Fox, Ok, thank you.

Hi Spam thank you. . Thank you Noomill, yes I will be sending them the Subject Access Request as well. The only concern I have is that I sent in May a letter to all of my Creditors with regards to a payment plan that also included my financial statement and I signed those letters. I wasn't aware at the time that I can do what I am doing now and I am wondering what the possibilities are of them using my Signature from those letters?

I have sent the CCA request to Barclaycard yesterday. Now waiting the 12 + 2 Days and see what they come back with!

Thank you all for your comments and advise. I will contact O2 and 3UK and see what happens from here. I will post an update once I have spoken to them.

Yes there was a password on the account which my son knew so that he could access his payment details however O2 should not have allowed him to change tariff / pricing information as he is under age and not named on the account. A broker contacted him in April and signed him (me) in to the 3 contract with the promise that they would refund May to July line rental for O2. This hasn't happened and I never received any paperwork about this contract from either the broker or 3. Thanks for your interest, I know now that it was a mistake but at the time wasn't aware of the depth my son would sink too!!!

This is my second thread and am sure many more will follow now that I am aware of this site. I am very pleased to have found it as I don't feel that I am on my own anymore. Originally my son wanted a contract phone when he was 16 and as he was working I thought he might be responsible enough so I allowed him a contract phone in my name but the Direct Debit was set up with his Bank Account, with agreement from O2 that the contract changes into his name as soon as he turns 18 in July 2009. To cut a long story short he ended up running up a huge bill of Internet Download Charges (£500in two weeks) which he finally cleared in December last year. Once he cleared the Debt I spoke to O2 and had the tariff reduced to £20 a month and a blockage put on the Internet roaming facility to prevent the same from happening and all was well for a while. Now I have found out that my son had the tariff increased back to £35 a month in April without my knowledge. The O2 contract was due to finish in July but is currently disconnected due to non payment. Now I am being chased by Moorcroft with regards to the outstanding Balance as it appears that my son has stopped paying. He has also stopped working and is claiming JSA. I am obviously not happy with this situation and I have told him to get this sorted out immediately. In April he received a phonecall on his mobile which I believed was O2 offering to upgrade his phone and renewing the contract for 18 months, 3 month prior to the existing contract finishing It now turns out that it was a broker that offered him a new contract with 3 for £35 a month, they would reimburse his remaining 3 month of O2 bills and it is in my name. I have received a letter from Advanced Telecoms Debt Collection Services Limited chasing the outstanding payment for 3. I have received no paperwork with the new contract or the reimbursement of the O2 charges. Can anyone advise how best to go forward with this? My questions are: 1.All that was asked on the phonecall that tunred out to be 3 was to confirm my name and address nothing was explained about what was being arranged. As nothing has been signed is this a legal agreement considering I was deceived and believed I was agreeing to the O2 renewal contract at £20 a month? 2. Legally should a 17 year old have been able to change tariff and pricing details with O2 without my knowledge in April? 3. Am I liable for services obtained via deception and fraud? Any help / advise would be appreciated. I know this is a complicated situation. If any questions arise please don't hesitate to ask and I will try to answer as best I can. Thank you.

Thank you Noomill, I will prepare the letter and get it send out. Will post reply on here once I get it. Fingers crossed.

Lol. Thank you Fox. I will be doing those letters as soon as possible. I am so glad that I found this site, I was starting to really loose my marbles with all the worrying. Even my little girl asked me why I always look so sad and don't smile anymore. But I am glad that I can share these things now and get help in dealing with this situation.

Hi Fox, Thank you. It's a Creditcard Debt that I have with them. Yes I will use the letter and sent it to them as soon as possible. Thank you for the advise.

Hi, I am new to this site and wonder if anyone can give me some advise please? I have an outstanding ballance with Barclaycard and up until the end of last year I was paying it through the CCCS while being on a Debt Management Plan with them. Unfortunately the agreement came to an end as I was made redundant and no further help was received by the CCCS. I have now decided to do the Debt Management by myself and so far all of my Creditors have accepted my proposal apart from Barclaycard. They told me that they can't accept the amount I have offered them and that the minimum I need to pay has to be 1% of the outstanding debt but if I were to use the CCCS or any other Debt Management Company they would accept my proposal. To me this doesn't make any sense at all and now I am being harrassed by Mercers who are threatening to send somebody to my house. Thank you.