Miss sold mobile phone insurance

davelloydc81 · 22 March 2018 at 8:26PM

Hi I'm looking for any advice. In 2012 I got a mobile phone on contact from o2 I got it insured and let my partner have the new phone as I already had a decent phone I informed o2 of this and they insured me for £20 pm 18 months later my partner had the mobile stolen so I contacted the insurance who said "as the sim on the contract was never in the phone I wasn't covered" me being hot headed had a few choice words to say on the matter and closed all connections with o2 to stop them taking any more money. Now lowell finance have been in touch the past six months demanding £492 to make this claim go away I notified the of what happened and was told it doesn't matter I owe them. What I have said is I will pay the end of the contract minus the £360 insurance I paid off the original £492 but then I received the ccj letter and now it's £792. What if anything is my options available for me with this matter????? Tia dave

[Deleted User] · 22 March 2018 at 8:31PM

To pay the full amount before it goes up any more.

Once they have gained the CCJ, you have 30 days to pay it to keep it off your credit files.

McKneff · 22 March 2018 at 8:41PM

As above, you have no options.

A ccj will trash your credit for 6 years....

ValiantSon · 22 March 2018 at 8:51PM

You weren't mis-sold the insurance; you failed to comply with the terms.

You have no grounds to refuse to pay the costs. You entered into a contract with them and you therefore have to honour that contract.

Pay the money or get the CCJ on your credit file and struggle from here-on.

davelloydc81 · 22 March 2018 at 9:04PM

Thanks for the advice just wish I had mse when I taken the contract out in the first place

Miss sold mobile phone insurance

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