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  • FIRST POST
    • cmucha24
    • By cmucha24 18th Mar 17, 6:52 PM
    • 2Posts
    • 0Thanks
    cmucha24
    Defaulted account due to fraud, am I due compensation?
    • #1
    • 18th Mar 17, 6:52 PM
    Defaulted account due to fraud, am I due compensation? 18th Mar 17 at 6:52 PM
    I have recently been a victim of fraud with O2 and two phones were taken out on my name, ranking up a total bill of over £1800. Not knowing about this until I started receiving letters from O2 about late payments, I decided to file it as fraud. When I got confirmation from my bank for O2 that it was fraud, the debt had been moved over to Lowell Financial. I called them up and sent them evidence that the debt was due to fraud. They later sent me a letter back stating they have received my evidence and will disregard the debt and will update my credit file. A few days later, I checked my credit file to find that my score had dropped by over 100 points and Lowell had defaulted my account! Am I due compensation?
Page 1
    • meer53
    • By meer53 18th Mar 17, 7:21 PM
    • 8,839 Posts
    • 12,820 Thanks
    meer53
    • #2
    • 18th Mar 17, 7:21 PM
    • #2
    • 18th Mar 17, 7:21 PM
    If you've suffered a financial loss then yes. If not, then no.
    • Nasqueron
    • By Nasqueron 18th Mar 17, 7:57 PM
    • 4,179 Posts
    • 2,330 Thanks
    Nasqueron
    • #3
    • 18th Mar 17, 7:57 PM
    • #3
    • 18th Mar 17, 7:57 PM
    A drop in a fictional score is meaningless, it has gone down because "you" have defaulted on 2 debts. Once these have been removed your credit record (which is the only important thing) should be back to normal.

    If you are complaining about a drop in score, no you are not due compensation. If you have suffered a provable loss then put in a complaint about that.

    Monitor your file more regularly from now on just in case
    • DCFC79
    • By DCFC79 18th Mar 17, 8:04 PM
    • 29,975 Posts
    • 18,979 Thanks
    DCFC79
    • #4
    • 18th Mar 17, 8:04 PM
    • #4
    • 18th Mar 17, 8:04 PM
    Compo for your score going down well Id say you have no chance in hell.

    Id be looking how they gpt your details to take out a contract in your name.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • cmucha24
    • By cmucha24 19th Mar 17, 11:00 AM
    • 2 Posts
    • 0 Thanks
    cmucha24
    • #5
    • 19th Mar 17, 11:00 AM
    • #5
    • 19th Mar 17, 11:00 AM
    Thank you for all of your replies.
    • redux
    • By redux 19th Mar 17, 12:07 PM
    • 17,127 Posts
    • 21,703 Thanks
    redux
    • #6
    • 19th Mar 17, 12:07 PM
    • #6
    • 19th Mar 17, 12:07 PM
    Surely it would be better to persuade Lowell to remove the record.
    • PaulW922
    • By PaulW922 19th Mar 17, 12:16 PM
    • 783 Posts
    • 300 Thanks
    PaulW922
    • #7
    • 19th Mar 17, 12:16 PM
    • #7
    • 19th Mar 17, 12:16 PM
    The question is really whether or not Lowell have updated your file. My parents had the same thing happen to them - two Blackberry's turns dup from o2 that they had not ordered. O2 did not want to know!
    • nic_c
    • By nic_c 19th Mar 17, 9:18 PM
    • 909 Posts
    • 547 Thanks
    nic_c
    • #8
    • 19th Mar 17, 9:18 PM
    • #8
    • 19th Mar 17, 9:18 PM
    Surely it would be better to persuade Lowell to remove the record.
    Originally posted by redux
    Read the OP post that had already been agreed. OP just wants compo as the score was effected temporarily
    • Ben8282
    • By Ben8282 20th Mar 17, 3:45 AM
    • 2,010 Posts
    • 885 Thanks
    Ben8282
    • #9
    • 20th Mar 17, 3:45 AM
    • #9
    • 20th Mar 17, 3:45 AM
    I have recently been a victim of fraud with O2 and two phones were taken out on my name, ranking up a total bill of over £1800. Not knowing about this until I started receiving letters from O2 about late payments, I decided to file it as fraud. When I got confirmation from my bank for O2 that it was fraud, the debt had been moved over to Lowell Financial. I called them up and sent them evidence that the debt was due to fraud. They later sent me a letter back stating they have received my evidence and will disregard the debt and will update my credit file. A few days later, I checked my credit file to find that my score had dropped by over 100 points and Lowell had defaulted my account! Am I due compensation?
    Originally posted by cmucha24
    HOW could your bank provide you with evidence that an account allegedly opened fraudulently with O2 was fraud?
    How could you send such evidence? What type of evidence was it?
    • nic_c
    • By nic_c 20th Mar 17, 9:52 AM
    • 909 Posts
    • 547 Thanks
    nic_c
    HOW could your bank provide you with evidence that an account allegedly opened fraudulently with O2 was fraud?
    How could you send such evidence? What type of evidence was it?
    Originally posted by Ben8282
    At a guess, the O2 account had a DD set up initially (maybe for initial payment?), and OP has checked with their bank that it was not an a/c linked to them.
    Strange is the timescale, as it seems they have had letters and raised fraud with their bank and not O2.
    • poppasmurf_bewdley
    • By poppasmurf_bewdley 20th Mar 17, 9:58 AM
    • 4,992 Posts
    • 5,142 Thanks
    poppasmurf_bewdley
    Compensation from whom? I suppose when and if the crooks are caught you could claim some from them.

    You can't expect a company which was also a victim to pay anything out to you any more than they would expect some from you.
    "Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery." Mr Wilkins Micawber in David Copperfield by Charles Dickens.
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