Dilemma with contract

[Anonymous]

I have paid my contract for the past 28 months which was a continuation from a previous 2 year contract. Problem is it's in my ex's name who refuses to transfer it over if I just stop paying the bill can they ask for my phone even though I got it from an independent retailer not from O2? As far as I'm concerned the phone belongs to me as I have paid for it. Help please

[Anonymous]

18 months not 28 sorry

[Anonymous]

Hi,

The phone initially belongs to the account holder.

If the bills remained unpaid they would call bar the account and try to recover the debt.

This could result in a mark being placed on the account holders credit file.

If the account holder contacted o2 and said it was lost or stolen then an imei bar would be placed rendering the phone useless as a phone.

Why not open your own contract up as long as you can pass the credit check and simply give the phone back effectively breaking all ties.

[Anonymous]

Hi no they cannot ask for the phone back it is owned by the account holder but just be aware if your ex is nasty he could always say he wants it back and if you don't give it technically it's theft

[Anonymous]

Even though I have proof I have paid for the contract so far?

[Anonymous]

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@Anonymous wrote:
Even though I have proof I have paid for the contract so far?

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In o2's eyes the contract account holder is their customer.

It plays little part what bank account is being used.

If you rang them and asked to speak about the account they wouldnt speak to you unless you were authorised to do so by the account holder.

Your options are :

Carry on as you are.

Ask the account holder to transfer ownership of the contract. You would both need to be present on the call to customer services.

Tell the account holder your stopping the direct debit and ask them to re set it up in their own name and return the phone.

Set up your own contract.

[Anonymous]

Yes unfortunately the phone belongs to the account holder

[Anonymous]

Ok well it was got separately to the contract but if u think so & it's not paid by direct debit. We can't be in the same room as he moved away & I wouldn't be in the same room as him as he is violent

[MI5]

Do you know the account password and security questions etc....?

Is it a SIM only contract? If so all they can do is cancel the SIM - They won't touch the phone....

[Anonymous · Accepted solution]

Ok so now we know the phone was obtained separately.

If the phone you have now was not part of the contract deal or it was sim free then the phones yours.

Its just the contract that is not.