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O2 account sold to lowell been paying them for 3yrs - default what next?


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Hello all,

 

I took out a Mobile contract with O2 (think it was back in 2010)

- then (long story short) marriage broke down,

moved to another country now back.

 

Negotiated payment terms with Lowell

 

but now I'm out of work and not getting any money.

 

How do I go about requesting a freeze or write off as I simply cannot pay.

 

All the best and thanks :)

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who said you owed lowells the money anyway?

 

 

never take what a dca says as the truth.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Well - I knew I had a contract with O2, So I guess the answer to your question is me!

 

But I have no paperwork as when my marriage broke down my ex got rid of all my things (paperwork etc) before I could get it.

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so what does you credit file say?

 

 

hope you've not been talking to these fleecers or any DCa on the phone?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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puzzles me why they sold it

must be something iffy about the debt.

 

 

pers I'd be sending them £1PCM

very low priority

 

 

how many years have you been paying them>

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

have they been sending annual or better statements

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Time to contact O2 & find out what they say the position is / was

most likely any amount claimed would include allowances for calls that they prevented you from making - difficult to charge for

you should ask for copies of any bills/invoices, especially the final bill.

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  • 2 weeks later...

no should only usually be a small fee not the whole bal

 

 

get an sar to o2 or ring them

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

I got this address from the O2 website to send my SAR to - but it says internal use only. Can anybody tell me whether this is the correct address?

 

Data Controller – Subject Access Internal Use Only

5 Reynoldston Close

SAR ID

Brackmills Industrial Estate

Northampton, NN4 7BX

Email: subjectaccess@o2.com

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  • 2 weeks later...

Hi All,

 

heard back from O2 regarding my SAR.

 

They want some proof of ID (no problems)

 

the issue is the second thing they want.

 

They want something that has my old address on when I opened the account.

 

I do not have this as my ex destroyed everything.

 

The best thing I can think of is a copy of the page from my credit report that shows the addresses...

 

Any other ideas?

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that'll do and a copy of your latest ctax bill

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 1 month later...

So I've received my "SAR" -

 

I use inverted commas because there's nothing worthy.

 

They've said that there has been too much time and they've disposed of financial payments

- there's nothing that I can really use!!!

 

What do I do now?

 

It's a lot of money to pay when I cannot check what I'm paying for....

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ho ho

so the OC has no knowledge whatsoever of what you might have owed them before they sold the debt.

 

so WHY are you even paying lowells anything at all?

 

did you not even check the debt before you started paying the fleecers?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

smacks me why they sold it on as I said in post 2

 

 

pers I'd stop paying

let lowells produce the non existent paperwork....

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok :)

They've sent me a "we'd like to speak to you letter which I've ignored as I'm paying them £1.70 per month.

 

They've today sent me a hastening letter.

 

I was going to write to them later this week telling them that they need to produce evidence of the debt as O2 haven't

 

otherwise I will stop paying and they can do their worst.

 

What do you think?

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I would not be telling them you know there's no paperwork.

 

ask them for a statement of account

which they should be sending every 12mts or better anyway

 

say something like

you think you've paid it off now going by your old records/

 

let them hang themselves.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 3 weeks later...

So I got "the statement" today from Lowells and

 

they state that I still owe them over £800.

 

Bearing in mind that I've received the SAR from O2 and all that "didn't " contain.

 

Shall I SAR Lowells?

 

Or just stop paying?

 

I want to pay what I owe and not a penny more and

 

I just think this £800 is WAY too much!!

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either stop paying

or ask them for an original o2 statement

proving the level of the debt when lowells bought the debt.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 8 months later...

This is what I received from them - their statement showing when the debt was written off by O2.

 

 

I've received a threat-o-gram today saying they will take things further if I don't start paying....

 

What should I do?

 

 

I don't believe they've given me what I need

 

 

- considering I've SARd and received the response from O2.

CCF14012016_0002.pdf

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how did it jump from +£40 owing

to +£700 owing

so o2 reckon you owe the fees for the rest of the contract?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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