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  • FIRST POST
    • cmucha24
    • By cmucha24 18th Mar 17, 5:52 PM
    • 2Posts
    • 0Thanks
    cmucha24
    Defaulted account due to fraud, am I due compensation?
    • #1
    • 18th Mar 17, 5:52 PM
    Defaulted account due to fraud, am I due compensation? 18th Mar 17 at 5:52 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, 6:21 PM
    • 8,552 Posts
    • 12,266 Thanks
    meer53
    • #2
    • 18th Mar 17, 6:21 PM
    • #2
    • 18th Mar 17, 6:21 PM
    If you've suffered a financial loss then yes. If not, then no.
    • Nasqueron
    • By Nasqueron 18th Mar 17, 6:57 PM
    • 3,939 Posts
    • 2,169 Thanks
    Nasqueron
    • #3
    • 18th Mar 17, 6:57 PM
    • #3
    • 18th Mar 17, 6:57 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, 7:04 PM
    • 28,729 Posts
    • 18,144 Thanks
    DCFC79
    • #4
    • 18th Mar 17, 7:04 PM
    • #4
    • 18th Mar 17, 7:04 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.
    Je Suis Charlie
    • cmucha24
    • By cmucha24 19th Mar 17, 10:00 AM
    • 2 Posts
    • 0 Thanks
    cmucha24
    • #5
    • 19th Mar 17, 10:00 AM
    • #5
    • 19th Mar 17, 10:00 AM
    Thank you for all of your replies.
    • redux
    • By redux 19th Mar 17, 11:07 AM
    • 16,157 Posts
    • 19,534 Thanks
    redux
    • #6
    • 19th Mar 17, 11:07 AM
    • #6
    • 19th Mar 17, 11:07 AM
    Surely it would be better to persuade Lowell to remove the record.
    • PaulW922
    • By PaulW922 19th Mar 17, 11:16 AM
    • 769 Posts
    • 293 Thanks
    PaulW922
    • #7
    • 19th Mar 17, 11:16 AM
    • #7
    • 19th Mar 17, 11:16 AM
    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, 8:18 PM
    • 697 Posts
    • 436 Thanks
    nic_c
    • #8
    • 19th Mar 17, 8:18 PM
    • #8
    • 19th Mar 17, 8:18 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, 2:45 AM
    • 1,634 Posts
    • 641 Thanks
    Ben8282
    • #9
    • 20th Mar 17, 2:45 AM
    • #9
    • 20th Mar 17, 2:45 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, 8:52 AM
    • 697 Posts
    • 436 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, 8:58 AM
    • 4,871 Posts
    • 5,020 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.
    There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O.S. Nock
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