topic Re: O2 stole money from my bank account in Pay Monthly

O2 stole money from my bank account

Anonymous — Mon, 16 Feb 2015 21:26:17 GMT

I received a text from my bank today to say they were putting me on an informal overdraft as I am overdrawn in my account. Looked at my bank account and O2 have taken £157.81 from it, which now means I can't draw any money out of my account until either a) O2 returns my money to me or b) my salary goes into my account on 26th Feb. After a live chat with customer services, then a call to customer services and speaking with a supervisor I am still no further forward with getting my money back and to make things worse, the person on live chat told me I was £200 in credit!! try telling that to my bank. They have advised me that it will be returned in 5 to 10 working days, shame on you O2!!!!!! How can you get away with taking money unlawfully from peoples accounts and then leave them with an empty bank account until you decide to return it. I will be charged a lot of money by my bank to be overdrawn and this bill will fall on O2's doorstep. Your company should be fined for this sort of practice, I used to rave about the good service from O2 and had been a customer for many years but I will NEVER use your company again after this.

Re: O2 stole money from my bank account

Anonymous — Mon, 16 Feb 2015 21:34:01 GMT

If a direct debit has been taken from your bank account incorrectly, you are protected by the Direct Debit Guarantee @jakflash29.

All you need to do is contact your bank and ask them to action a Direct Debit Indemnity. Assuming the payment was in error by o2 then your bank MUST put you back into the position you were in before the payment was taken including bank charges. This must happen SAME DAY that you ask your bank to do this.

If however the payment was taken by a Visa debit card, your bank can put the transaction into dispute for up to 60 days freeing up that amount in your account.

However if o2 were due the payment then you cannot action the above.

Please let us know how you get on.

Re: O2 stole money from my bank account

Anonymous — Mon, 16 Feb 2015 21:38:25 GMT

thanks for the reply, I cancelled my account within 14 cooling off period and customer service told me today that they should have advised me to cancel any direct debit at the time, but didn't. I'll contact my bank and let you know how I get on.

Re: O2 stole money from my bank account

MI5 — Mon, 16 Feb 2015 21:40:41 GMT

It seems that O2 are constantly failing at some of the simplest of tasks these days 😞

Re: O2 stole money from my bank account

Anonymous — Mon, 16 Feb 2015 21:40:46 GMT

They will refund you tomorrow if you ask them to. The money will go back into your account within minutes so you have money to live on.

Be aware that o2 may still refund you as the Direct Debit Indemnity process may take longer in which case you would then have to repay o2 but not until after they put the monies in your account.

Just saying be aware. Either way you will have access to your money as soon as you tell the bank @Anonymous

Re: O2 stole money from my bank account

Anonymous — Mon, 16 Feb 2015 21:42:09 GMT

@MI5 wrote:
It seems that O2 are constantly failing at some of the simplest of tasks these days 😞

O2 are just failing. Enuf said.

Re: O2 stole money from my bank account

Anonymous — Mon, 16 Feb 2015 21:52:19 GMT

thanks, bank has reversed direct debit and no charges. Just have to sort the rest out with O2.

Re: O2 stole money from my bank account

Anonymous — Mon, 16 Feb 2015 21:56:13 GMT

Excellent news @Anonymous

Re: O2 stole money from my bank account

Anonymous — Mon, 16 Feb 2015 21:57:33 GMT

If you are happy your question has been resolved would you please mark one of the replies as "solved".

Re: O2 stole money from my bank account

Beenherebefore — Tue, 17 Feb 2015 00:09:21 GMT

@MI5 wrote:
It seems that O2 are constantly failing at some of the simplest of tasks these days 😞

Perhaps not O2 but their outsourced contractors ?.......poor contract management by O2 Procurement Dept may be ?.....I'm guessing Capita have an involvement with customer accounts.

Re: O2 stole money from my bank account

Anonymous — Tue, 17 Feb 2015 08:01:19 GMT

O2 are crooks 100%. I spent a year in Cheshire working as a consultant for this firm and believe me they are not as they may appear cosmetically.

I personally have been the victim of a blantant mis-sell on my contract and becasue I was out of the country for 6 weeks on business I missed the window to cancel the contract. When explaining my predicament did O2 want to know? Really? I will never again renew or take out a fresh contract with O2.

I could tell you many many more stories but maybe I will save these for a future date.

Re: O2 stole money from my bank account

Cleoriff — Tue, 17 Feb 2015 08:09:26 GMT

Hi @Anonymous

Do you have an O2 phone now? Or some problem with them? Obviously I am only asking as you are posting on the O2 forum

Re: O2 stole money from my bank account

jonsie — Tue, 17 Feb 2015 09:47:13 GMT

It's difficult to comment without knowing the facts but maybe explaining a little more could help others.

Re: O2 stole money from my bank account

Beenherebefore — Tue, 17 Feb 2015 10:58:03 GMT

@Anonymous wrote:

I could tell you many many more stories but maybe I will save these for a future date.

Re: O2 stole money from my bank account

Anonymous — Tue, 17 Feb 2015 11:26:17 GMT

Hello @Cleoriff

Yes, unfortunately I do have an O2 phone on contract. Am I not allowed to air my feelings towards O2?

Here is another taster. Although I travel the world on business quite regularly there was one particular month where my feet remain firmly on dry land here in the UK. So you can imagine my surprise when I received a 'nice bill' from O2 with numerous charges of £25 for exceeding my data roaming allowance!!!!

When I spoke with O2 CS I was finally advised that because I live right by the sea here in Cornwall it is quite possible that my phone had picked up the GPS signal from a passing ship or passing ships and that I was being charged at the rate appropriate for the origin country of the ship. You could not script it could you? In fact when speaking with another O2 CS person a couple of months back I mentioned this story and he quite confidentally announced he had hard this story a number of times. I wonder who within the O2 empire dreams up these 'fake' reasons for charging customers?

To put things bluntly, if I was well enough off to sue the ass off O2 I would have done so on a few occasions by now but the fact of the matter is O2 know that the majority of its customers are not fortunate enough to be able to afford attorneys to take them on.

Re: O2 stole money from my bank account

Anonymous — Tue, 17 Feb 2015 11:27:20 GMT

One of O2's employed full-time forum moderators are we???

Re: O2 stole money from my bank account

jonsie — Tue, 17 Feb 2015 11:34:10 GMT

We are all just customers on here like your good self

Re: O2 stole money from my bank account

Cleoriff — Tue, 17 Feb 2015 11:39:40 GMT

@Anonymous wrote:
One of O2's employed full-time forum moderators are we???

@Anonymous Not at all...and apologies if you thought that.:smileysad:

I really wanted you to share more of what you had implied. Your comment inferred you had a very distressing time. Everything posted on the forum has value, whether it's a good or bad experience...

Re: O2 stole money from my bank account

Anonymous — Tue, 17 Feb 2015 12:01:46 GMT

@CleoriffApologies Cleoriff I was referring to one or two others. People with 1600 posts since last September for example, those sort of people!

Re: O2 stole money from my bank account

Beenherebefore — Tue, 17 Feb 2015 12:23:18 GMT

@Anonymous wrote:
@CleoriffApologies Cleoriff I was referring to one or two others. People with 1600 posts since last September for example, those sort of people!

You need a sense of humour to be an O2 customer :smileywink:........we don't do paranoia on here