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O2 mobile contract debt advise please

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My other half took out 2 mobile phone contracts some time ago with O2 (for her and myself).

We fell behind with payments and eventually the two seperate accounts were handled by an external collection agent (I dont think the debts were transferred to them though).


I am not sure but I think the acounts were terminated as the debt owed suddenly spiralled out of control.


I cam into some money so rang up the agents and agreed to pay the outstanding balance that appeared to have reduced considerably over what had been demanded proviously.


We assumed that was the end of it and had already switched the sims in the phones over to pay as you go sims.


Out of the blue my wife has now received two seperate letters about these accounts demanding payment.


I dont think we have any paperwok for these accounts still - but I will be having a look.

Are Mobile phone contracts covered under Consumer Credit regulations please?

Can I send in a consumer credit agreement request or would I need to submit a request under the data protection act to obtain details about the accounts so that I can establish what is going on please??

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Mobile phone contracts are not covered by the cca. Which DCA is chasing for these accounts?


send the DCA this letter


Dear Sir/Madam


Account no:


You have contacted I/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.


I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).


I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual whenit is uncertain that they are the debtor in question.


I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.


Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.


I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.


I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.


I/we look forward to your reply.


Yours faithfully


edit to suit

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I have just had a dig and the letters we received was dated at the end of May - I didnt realise I had left this so long.

Both state that the phone was disconnected on 2/7/2008.

The letters were from O2 and were basically stating heir intention to transfer to their specialist debt purchasing partner Lowell Portfolio I Ltd if my wife did respond with 20 days.


I am fairly certain we have not received anything since.

There is a number to ring if she has any queries regarding the account.

However I hate speaking to these peolple as they usually make unrealistic demands and I can just do without that kind of stress.


I think I will send your letter to O2 quoting both account numbers and see what happens.



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Lowlifes love taking on mobile phone accounts, but even still they are [email protected] at that!


How much is the alleged debt for?


Who did you ring to pay off the outstanding O2 accounts originally? O2? Or a tin pot DCA?


Send Lowlifes the no debt acknowledged letter, and from now on, stay off the phone unless you are able to record your phonecalls, keep everything in writing and start a paper trail of evidence, if lowlifes start ringing, just tell them 'everything in writing' and put the phone down, or answer it and say 'just a moment' and put the phone on the side and do something more important like watching paint dry.


Either way, don't give the fools ANY security answers, to their hilarious 'security' questions, they can do nothing, they are nothing to be worried about, they cannot take you to court, that is for the OC to do, not this tin pot DCA.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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OK have been digging through letter some more an dhave now found 2 letters from Red Collection Agency - I think this is part of Lowells.

I will send the letter to them.

There is an email address - can I use this as it would be faster?

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Correct Red IS lowlifes.


And yes you can send them an email, it is a recognised form of contact, **Hello Guests** Hope your all learning something, whenever Lowlifes are mentioned in a thread it always mysteriously attracts more guests than registered users, I wonder why:confused:


Are you sending the No debt acknowledged letter?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Just a thought, you say that you had made an agreed final payment, can you trace how and when you paid that, as it would also be proof.


Not that it is for you to prove you paid, it is for THEM to prove you Owe!!

Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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