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    • Yes, my initial view is that @unclebulgaria67 is probably right and that because it was a magistrate's warrant, it would be the energy company that would have been in control of the situation directly. Unfortunately this will be much more difficult to deal with then dealing directly with Marston but anyway if you give us your details as requested, we can at least get Outlook from that direction as well. I'm also wondering about the position of your landlord in this. As you have taken up a tenancy in a particular property then I would have thought that one of the terms of the tenancy would be that you should be entitled to quiet enjoyment. Although the landlord may say that it is not their fault and it is down to the previous tenant, at the end of the day you have a contract with the landlord who has certain responsibilities. I think we may consider involving the landlord in this as well. You say that there have been letters addressed to the previous tenant. What have you done with those?
    • Yes please. We have certain direct access to Marston and we may be able to get someone to look at this at a senior level. Please email us as requested with your own contact details and name of previous tenant.   We can't guarantee any particular result but we can promise you that it will be looked at.
    • they say in letter dated 20/01/20 that the agreement was terminated on 30 July 2017 and cannot be terminated twice, so your VT request is invalid. startline issued termination or Default notices on the following dates: letter: 30/03/2017 termination notice  liable for payment: arreaers to date : £365.38 the balance of: £10,586.50 total: £10,951.88 7 days notice else ROG+sums outstanding. ....................... Letter: 11/12/2017 Default Notice nature of breach: instalments of £211.73 due 30th each month. action to remedy: payment of arrears £449.23 by 30-12-17 other info: payments to date: £5226.91 outstanding: £9351.89 less rebate: £2251.41 Amount Due: £7100.48 if you act before 30-12-17 and have paid £7056.90 you can VT. ............ Letter: 27-07-2018 Default Notice refs a dn dated:31/05/2016 - there is no such DN in an SAR return. nature of breach: instalments of £211.73 on 30th each month. action to remedy: payment of arrears £226.73 by 15-08-2018 other info: on or after date 27-07-2018 we shall terminate,withdraw possesion and recoversums due upon termination. total paid: £6250.91 outstanding: £7647.28 less rebate: £1590.47 Amount Due: £6065.81 if you act before 15-08-18 and have paid £7056.90 you can VT. ........................  letter: 01-10-2018 termination notice  liable for payment: arreaers to date : £325.06 the balance of: £6079.75 total: £6404.81 7 days notice else ROG+sums outstanding. ……………………...     NEW ORDER STATEMENTS.pdf Doc1.pdf
    • thank you.   have you had issues paying credit before you took any of these out?   i'e were you keeping a good handle upon your credit file and it wasn't shot with any defaults or payment markers during the period when you applied and were successful in getting any of this additional credit?   my thoughts are ...should the above not be the case and your credit worthiness was good... so couldn't p'haps introduce some irresponsible lending complaints in association to them … it might be an idea to give all your creditors the heads up that times are hard and you wish them to help you, as they are duty bound to do, by freezing interest and any penalty fees to allow you to ride out this present financial hardship till things improve ...   how does that sound...   dx  
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Default from Lowell after moving from o2

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Hi guys,


Going to try keep this short.



in November 2014 I started looking at upgrading my phone as it was playing up.

O2 couldn't offer me a suitable deal.

So I moved to 3 in December 2015.


When I got my PAC code and told o2 that I was moving

they said any remaining monies would be taken from my account.

That's what happened with my broadband account as I moved them both at the same time.


Fast forward a year later I get a call from Lowell saying am I aware of a debt that's owed to o2.

I told them not because I moved over a year ago and have had not contact from o2 since, only emails entitled,

"Your monthly bill" and when I open them it simply states there's nothing to pay this month.


Lowell got back to me saying that they contacted o2 and the debt was still outstanding.

I then contacted o2 my self to make sure it wasn't a [problem] or anything

and was shocked when they told me I still owed. I instantly paid the £154.


As I'm sorting out a mortgage I decided to check my credit file

and to my amazement there's a default on there from Lowell but no mention of o2.


Ive had email contact with o2 referrals team but they are hopeless.

They gave me a number to ring to get a refund and said I must pay Lowell directly.

I have phoned them yet, I wanted to ask her first for advice.


I'd be wary of o2. I've been there for 10 years, if there was money owed, they could've wrote, emailed or phoned.


What to do now??

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never ever phone them

they'll fleece you blind


Lowell cannot enter defaults on your file

it would have been o2 that did this

before they sold the debt to lowells.


when that happens

their name replaces that of the original company

hence the default and their name.


have you got proof that o2 stated there was nothing more to pay

all that time ago?



paying this debt WILL NOT

remove the default.

so get your moneyback

and give us some answers.






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Thank you for respodong dx100uk.


I have a few of those emails that's within the same time as when o2 would've sold the debt.


So you recommend getting a refund from o2? What do i do next?


O2 credit file referals team, specifically a person named Irfan. basically said "bug off and stop emailing us" - they aren't will to hear what my side.

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Write to o2, demand to know whats going on and why an accoutn with no outstanding monies was sold to a DCA. Email it to the CEO. Not the CS department.

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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Just spoke back to o2 who says they can't refund the money owed? And that I did pay it?? Feels like I'm going round in circles here

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Hi. Please don't ring them unless you are recording the call. Many customer services staff do not fully understand the complexities when something goes wrong.


While this will take longer, I feel you should be writing to them ensuring you head the letter Formal Complaint. O2 are then restricted to 8 weeks to resolve this to your satisfaction before you can escalate the case to the Telecoms Ombudsman. (or even earlier if they reject your complaint before that time)


Have they said how this debt became due?

Did you use the PAC code? (If not then the account would have continued)

Did you cancel the direct debit immediately upon leaving O2? (If yes then it is likely there were some call charges not collected)


Why did they not inform you of the debt? Have they told you?


As your bills stated nothing to owe then something has gone wrong. I suggest sending O2 a SAR to get all of the account info when you may be able to see what has gone wrong.


As for the default, with telecoms companies, they do this regularly (just look at Vodafone) O2 would have placed the original default and when Lowell bought this debt, they would have replaced the name O2 with their own which is why yours shows this. I would challenge this with O2 and the Ombudsman if it gets that far.


For ease, this is their details


Telefónica UK Limited



260 Bath Road,



SL1 4DX,

United Kingdom.


I would send this by signed for delivery to ensure they receive it and also cannot deny they have received it.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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O2 claim to have sent me emails and letters, non of which i received. Ive just checked my credit file and the entry seems to have disappeared?? How likely is it that they've removed it?


I did get onto lowell direct and tbh, the lady that responded for the CEO was very helpful.


Ive also checked last months credit file and its on there, but its not on the most recent. How likely is it that it appears back on there?


Thank you silverfox. I will get onto that - but i will hold out and see if this credit mark comes back.

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Just to add, ive check my file for 26th april 2016 and the mark was on there, it appears it was removed yesterday/today?

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