Given a default by O2, are they correct?

Cycrow

but if you knew you had a bill to pay, why didn't you chase it up.

its possible the bill was sent, but for some reason never arrived (maybe lost in the mail), so they wouldn't have known you didn't receive it, because you didn't tell them.

so as far as they knew, you had received it and simply not paid, so they defaulted it.

NFH

offitmassive wrote: »

Yes I spent the money, but, they put my account on default before I had chance to pay anything

But when they did give you the chance to pay, you refused because you had already spent money, intended for O2, on something else. That seems like quite a good reason to maintain a default on the account.

offitmassive

Silk wrote: »

I thought you said earlier they had sent a bill to your online account which you had failed to check which is hardly O2's fault......Either way the final figure would usualy be taken by the DD unless you cancelled that when you asked for the pac.

Is the £71 default in addition to the £300 default listed or is the £71 default the only one listed ?

Yeh after I had called O2 after receiving this deb collectors letter I said I hadn't received a bill nor reminder. (After being told on the phone I would receive it in the post) then they said they has sent it to my online O2 account which wasn't made clear when asking for my PAC code. The £71 is all that is listed as owin yet I spoke to a whiteny on o2 chat who said and showed me the account was fully settled and owing zero .

offitmassive

NFH wrote: »

But when they did give you the chance to pay, you refused because you had already spent money, intended for O2, on something else. That seems like quite a good reason to maintain a default on the account.

No no sorry, only thing I refused was to make a partial settlement, I owed the money and wanted to pay the full amount off. Suppose I didn't mean refuse but in better words I wanted to pay off the whole debt . I had no chance to pay O2, they had already sent it to debt collectors and by then it had defaulted-

Silk

offitmassive wrote: »

Yeh after I had called O2 after receiving this deb collectors letter I said I hadn't received a bill nor reminder. (After being told on the phone I would receive it in the post) then they said they has sent it to my online O2 account which wasn't made clear when asking for my PAC code. The £71 is all that is listed as owin yet I spoke to a whiteny on o2 chat who said and showed me the account was fully settled and owing zero .

If you were on paper billing you may have had a case but as the bill had been sent online and was available to you from that time then it won't count.

If there is no mention of the £315 debt on your credit report and just the £71 it would seem that it has not been updated yet

NFH

offitmassive wrote: »

(After being told on the phone I would receive it in the post) then they said they has sent it to my online O2 account which wasn't made clear when asking for my PAC code.

In what format did you receive your bills each month? On paper or online? If you never received paper bills, then why did you expect them to change the format only for your final bill?

offitmassive

I received online billing and SMS billing, no SMS was received. I expected a final bill in the post as I was told on the call when getting my PAC code that id receive the final bill in the post.

Silk

offitmassive wrote: »

I received online billing and SMS billing, no SMS was received. I expected a final bill in the post as I was told on the call when getting my PAC code that id receive the final bill in the post.

It wouldn't be possible to send a SMS to an account once it had been closed. If you were online billing then you would be expected to check online, a promise of postal backup is immaterial.

I take it you cancelled the DD you had so that payment could not be taken ?

offitmassive

I cancelled the dd to ensure I had the money in the account when bill arrived. I didn't want a bill from my bank on a missed dd payment

offitmassive

Silk wrote: »

It wouldn't be possible to send a SMS to an account once it had been closed. ?

Why not though? The number was the same , only ported to another network. I could say the same for email...account was closed with O2, how would I have know that the email account on the now closed contract would still be accessible?