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Stoping DirectDebit without telling O2 |
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#1 |
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Forum Member
Join Date: May 2001
Location: Lymington, Hampshire
Posts: 477
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Stoping DirectDebit without telling O2
Hello!
I brought a o2 contract phone in october and it has a 12month min contract. I am leaving the UK at the end of the month to travel the world for the rest of the year, so i wont be needing my o2 phone and i don't want to keep paying £20 a month if i'm not using the phone. I'm concerned that if i cancel with them they will ask for the phone back, but i'd like to take it with me since it is Tri-band, and buy a sim card from the countries i will be in. Will this work? Will o2 be understanding enough to let me keep my phone and cancel? Can o2 freeze my account until i return next year? If i cancel my direct debit, will they still somehow take payment?? Surely they can't do anything if im not in the country/continent. hahahaha. Thanks Luke |
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#2 |
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Forum Member
Join Date: Dec 2001
Location: Telford
Posts: 624
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they won't let you just cancel the contract. You will have to pay the remaning months' contract.
If you did manage to escape payment you might have a hard time getting credit or a new mobile when you get back with a bad credit record. They might freeze the contract but i doubt it. Just ask them |
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#3 |
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Forum Member
Join Date: May 2003
Location: Somerset, UK
Posts: 5,163
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I think you will have to ring O2 Customer Services on this one, however have a great time on your travels!
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#4 |
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Forum Member
Join Date: Dec 2002
Location: UK
Posts: 11,539
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Doing a runner from O2's legally binding contract is a big mistake.
They will hound you with letters and reminders, then start adding extra charges to the amount you owe for late payment. After this they will contact debt collectors who will write to you, adding yet more charges to your ammount. If this fails they often call at your registered address in person looking for you. If all the above gets them nowhere then the matter goes to their solicitors who then write to you and once again this adds more to the amount you owe (up to £50 per letter!) and should you ignore this they will get a summons for the County Court in your name. You will then be required to either attend the CC or plead via post etc. If you fail to do this then the ruling is automatically in their favour normally and you will owe the full amount, plus the extra charges and on top of that County Court charges too. This will also result in a CCJ (county court judgement) being placed against you as well which will be recorded by groups such as Equifax and Experian. The next time you apply for credit / mortgage / loan etc. and the company you are applying with looks at your credit records via Experian or Equifax (as most do) you will probably find that you fail to get the credit. The CCJ will stay showing on your record for a few years, even if you pay it off (unless you pay it in the first month of it being awarded against you). You can pay the full amount and have it marked as satisfied, but it will still show and stop lenders being nice to you. So if I were you I would speak to O2 about your situation and not do a runner. You will find they are normally willing to help and may be able to offer you a decent solution. Running away from an agreement or debt only ever makes things worse! Also, if you move to another address on your return they can normally trace your previous adresses defaults etc. including CCJs. By not giving your previous address or giving a false one on a credit application is classed as fruadulant and this is where you really get in the poo if caught. Just call O2 and have a chat, you will regret it later in life if not.
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#5 |
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Forum Member
Join Date: Oct 2003
Location: the wild world web
Posts: 28,132
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BEST RING THEM AND SEE WHAT THEY SAY.
to me the solution, hopefully suggested by them is to pay the remainder which can then be made live on your return!!!!!??? Failing that pass/sell to a trusted friend maybes. |
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#6 |
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Forum Member
Join Date: May 2001
Location: Lymington, Hampshire
Posts: 477
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thanks lalaland,
You've scared me enough not to cancel. Say hello to Tinkywinky, Dipsy and Po for me,
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#7 |
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Forum Member
Join Date: Dec 2002
Location: UK
Posts: 11,539
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Quote:
Originally posted by pukey Sorry if it seems a little rough, but I would hate it for you to cancel and have the nasty repurcusions that this sort of thing has.thanks lalaland, You've scared me enough not to cancel. Say hello to Tinkywinky, Dipsy and Po for me,
I have a mate struggling to get a mortgage currently due to similar things like this (quite a few of, but it starts somewhere). Good luck with your travelling though!
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#8 |
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Forum Member
Join Date: Sep 2003
Location: North East
Posts: 110
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You entered into a legally binding contract at the point at which you signed the credit agreement.
Imagine how businneses would cope if everyone was allowed to terminate contracts like this whenever they wanted. Everyone would suffer as a result. You will pay a very heavy price if you attempt to leave the country without ensuring continued payment. I'm afraid, I'm with BT on this one. |
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#9 |
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Forum Member
Join Date: Jun 2001
Location: Inverness
Posts: 11,726
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You will have to pay off the remainder somehow. You will be allowed to end the contract now but you will have to pay the amount of the remaining months under contract (£160) and possiblly some extra admin charges.
You could change the price plan to lowest line rental posible so your paying as little as possible then just remember to cancel 30 days prior to the 12 months being up. Or as suggested give the SIM to someone else to use and change the DD to thier acoount. But there is no way of getting out of as they gave you a heavily subsidied phone so they need paid for it. Also note the phone is yours and not part of the contract - so you can't even get out of it by giving the phone back. |
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