Given a default by O2, are they correct?

Silk

offitmassive wrote: »

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

In that case canceling the payment method before final payment had been made and ignoring the bill would not give you a reason to remove a default

Silk

offitmassive wrote: »

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?

Because it will show up as a closed account

sdduk

OP what I can't work out is why you never got any phone calls from O2

When my son left O2 he owed them some money and They kept ringing him at work....sent him bills.. till he paid it and it wasn't a lot of money he owed.

offitmassive

sdduk wrote: »

OP what I can't work out is why you never got any phone calls from O2

When my son left O2 he owed them some money and They kept ringing him at work....sent him bills.. till he paid it and it wasn't a lot of money he owed.

That's what I want to know, why no calls, bills I had nothing . All I had was a debt collections letter for the full amount. I got that alright, one letter from O2 may have been lost in transit but surely not more than one? Funny how I got the debt collectors letter ok though

WTFH

What contact details did they have for you?
Have you moved house since you took out the contract?
Did you have any other emails from them that you hadn't spotted?

offitmassive

They had my address and took the contract out in the same address, moved out 5 months later after being defaulted. I didn't receive any emails either, only my bill which was sent to the O2 online account - but as the account was closed , like they can't send texts how would I have known to check an email at account that was now closed?? I was still told the bill would be in the post ......I had the same telephone number , I just ported it to another network so they had 2 other means of catching up with me before defaulting me. I'm only asking for help as I feel hard done by. If I'd moved house and done a runner without paying I wouldn't bother even asking in here but I feel that they have gone a bit over the top without actually TrYING to get in touch first .

mije1983

offitmassive wrote: »

how would I have known to check an email at account that was now closed??

Do you mean the '@o2.co.uk' email address? If so then your O2 email is different to your O2 mobile. I left O2 about 3 years ago and still have access to my O2 email even though I never used it.

offitmassive

Yeh the @o2.co.uk one. My number was still and still is running so they could have called to remind me the account is overdue ...

Buzby

There's a lot of fiddling whilst Rome burns, but there is no mileage in claiming that because the network did not contact you by phone, SMS, letter or even carrier pigeon, somehow the default is invalid?

It isn't. There is no requirement for any Default Notice to be issued as this is not a regulated credit agreement, the only thing that would give you a little leverage. It would make for caring customer service, I agree, but that's a different issue.

The network would have defaulted you within 30 days if the agreed payment was not credited to the account, irrespective of what you did to resolve the issue. There's no human intervention required, it's an automatic process.

This is one of the reasons why risking a credit file for something as non-essential as a a mobile contract is usually learned too late.

offitmassive

Wouldn't customer care be able to overturn that automatic decision then? The default only came about as I was expecting my bill in the post which never arrived. Without the bill how would I pay it?? We usually put a few calls in to chase money that's owed to us, the companies that owe us money wouldn't ring me to say we owe you money. I didn't chase O2 for the money I owe them as a bill was expected in the post. Even if carrier pigeon was used, it went the wrong way, I never received a bill to pay. I'll try customer service this time at O2 as the credit referral team weren't very welcoming to my case!! Thank you to those who replied ,