on 10-02-2016 23:29
on 10-02-2016 23:29
Solved! Go to Solution.
10-02-2016 23:38 - edited 10-02-2016 23:41
10-02-2016 23:38 - edited 10-02-2016 23:41
I am sorry @Anonymous but you took the contract out so ultimately it is your responsibility, Cancelling your DD will just result in a default on your credit file. I am sorry but legally you are liable.
I am not sure who you emailed as O2 don't have a customer facing email address. The only thing you can do currently is to contact Customer Services and speak to an advisor. http://www.o2.co.uk/contactus
They may assist you with setting up a payment plan. I would advise you do this as soon as possible,
Veritas Numquam Perit
10-02-2016 23:38 - edited 10-02-2016 23:41
10-02-2016 23:38 - edited 10-02-2016 23:41
I am sorry @Anonymous but you took the contract out so ultimately it is your responsibility, Cancelling your DD will just result in a default on your credit file. I am sorry but legally you are liable.
I am not sure who you emailed as O2 don't have a customer facing email address. The only thing you can do currently is to contact Customer Services and speak to an advisor. http://www.o2.co.uk/contactus
They may assist you with setting up a payment plan. I would advise you do this as soon as possible,
Veritas Numquam Perit
on 10-02-2016 23:42
I'm sorry but the account is in your name and the responsibility for payment is down to you. Stopping the direct debit will surely severely affect your credit file for the next 6 years. Any hope of a mortgage or the ability to take out another contract or any type of credit will be next to impossible. Call customer service and report the phone stolen and at least you won't be hit with any more usage.
If it's a Refresh contract you can pay off the phone and end the airtime contract.
One of the pitfalls of taking out a contract for someone else but bottom line is you have to pay....
on 10-02-2016 23:44
You are liable for all monies & charges, if you didn't want the account in the first place then you should have told your friend, that's not a good friend.
you will need to resolve this with CS, No doubt you will most definitely get a default as it was you who cancelled the DD,
Not sure what you can do but pay up
on 10-02-2016 23:49
on 10-02-2016 23:49
11-02-2016 00:03 - edited 11-02-2016 00:32
11-02-2016 00:03 - edited 11-02-2016 00:32
Unfortunately @Anonymous you've made your situation even worse by cancelling your direct debit. Not only are you still liable to pay the O2 bill, but if a negative marker has been put on your credit rating it will stay there for six years, so your chances of getting a mortgage approval would be slim to none.
Edit: Apologies @Cleoriff and @jonsie. Didn't fully read your posts.
on 11-02-2016 06:43
on 11-02-2016 10:52
on 11-02-2016 10:52
You just never know how a relationship is going to pan out over 2 years....