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About dcahater76

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  1. Well time has gone by now EE are in default of SAR. Just got a letter from the lowlifes today stating ‘please contact us to arrange payment” it’s taken them five months to come up with this I’m going to sit this one out Until such a time as they try court I have a robust defence for both accounts now thanks to the forum members.
  2. Well I emailed Lowlifes yesterday about the EE Account explaining that £252.88 of their supposed amount is EOC charges they came back today with this. Good Afternoon.. Thank you for your email. Account Number: ... – Original Client: EE Limited – Current Balance: £390.17 Your amount owed is broken down as follows: Open date: 11/03/2012 Last payment 30/03/2017 for £52.66 DD rejected – refer to payer Airtime debt value £137.63 – made up of phone charges and accrued bills. Early termination penalties £252.54 Your bill is made up airtime debt and early termination penalties. This happened because you stopped paying your Direct Debits. The Handset you take on each contract or upgrade is incorporated into the monthly fee. EE generally offer 24 month contracts. Your account indicates you were on plan which would have ended 11/03/2018. Upon entering your contract by use of the sim, you accept the terms and conditions outlined in your agreement. A full copy of the terms and conditions are outlined on theEE website: ee.co.uk. Based upon this information we believe the balance to be valid and owing and cannot agree to dismiss the charges. I’ve placed your account on hold for 14 days to allow you time to review these details and advise your intentions. Now my thinking on this is that there was no ancillary contract for the Handset so that matter they refer to is immaterial in law. Also they also seem to think CRA 2015 and Ofcom Guidance don't override their policy. I have been looking at the PDF's that Andyorch kindly provided and Im pretty sure that I now know the points I can counter this with. I am quite Happy to pay the airtime arrears of £137.63. am I right that £252.54 termination charge is unfair under CRA 2015? and Ofcom Guidance
  3. Thanks for that Andy my apologies for not noticing that.
  4. Hi DX, I took this out in December 2017 and yes I signed two documents digitally at a 02 shop. One was the contract for airtime and the other was for the handset agreement. The Sar Return has both contracts attached quite comprehensive compared to the account EE has supplied,
  5. Hi Andy Thanks for that sadly those links don't work I have checked to Unfair terms section of CRA 2015 but could not find anything relating to mobile phone contracts? am I missing something here?
  6. Hi all, Received the SAR Return from 02 this morning. I have gone through it all and it looks like the amount lowlifes are claiming is composed of £118.10 airtime use and £252 Handset charge. I thought I had paid off the handset when I entered the contract however checking my bank records I only paid a deposit on the handset and this was a 02 Refresh deal. I got a email from lowlifes yesterday stating they are still trying to get the information from 02 to answer my complaint. In Light of the SAR return can anyone suggest what I do next? In siting on this until lowlifes come back with a response to my complaint. Lowell have now purchased a old EE account now in short Im giving them both barrels. I sent a sar to EE who only responded with a copy final bill however, happily the final bill makes clear that the debt relates to unpaid charges to the end of contract which I am going to counter this with CRA 2015. Can anyone point me to the the provisions about mobile contracts in CRA 2015? I had a look yesterday but couldn't see the provisions.
  7. Cheers DX starting to feel a bit more confident about killing this prior to litigation.
  8. Well will see what the SAR return from o2 says when it turns up. Just out of interest does anyone know what paperwork lowlifes get when they purchase debts? Or is it more of a line on a spreadsheet?
  9. But there is no 02 Id check or credit quotation on any of the reports it’s like the mobile contract and handset charge never existed?
  10. Okay so got another pre legal letter from Lowell I’m not worried. I have reviewed my credit file from all providers and no mention of 02 or Lowell anywhere. Am I right in thinking this would prevent any court action?
  11. well I Have done a bit of digging around my credit files. I have checked Equifax, Experian and Callcredit and Neither Lowell or O2 show on any of the files? I find this a bit strange to say the least.
  12. Thanks DX going to sit on this and see what happens I suspect the amount they are claiming can be countered effectively will know for certain with the SAR Return from O2 since I asked specifically for a breakdown of the amount they claim I owe.
  13. 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 SAR 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.
  14. 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 SAR 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)
  15. Well got SAR running to O2 this morning so will wait to see what this says prior to doing anything else. Thanks everyone for your advice everyone.
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