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What happens next? Old debt.....
Hi. I have an outstanding debt for �258 owed to O2 from over a year ago. Now, I have just found out that on 12th of April, I was sent a letter to my old address from a Credit Services company demanding payment as a final notice. I was then sent a letter on the 1st of May from a solicitors stating that unless payment was received within 7 days, legal proceedings may be started without further notice.
Now, if I don't pay them, for my own reasons, what happens next? I assume it goes to court, and then what? As I no longer live at the address where they have me living, what will happen to the guy who lives there? Will he have the baliffs turn up on his doorstep and have to prove he is not me?! I could pay the bill, but O2 were so awful to me (which is why I left them), that I don't really want to. Besides which, I don't even know what the debt is for!
Answers
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For more on marking an answer as the "Best Answer", please visit our FAQ.Hi....Ok the 1st thing that will happen is that you'll get a Default Notice on your credit history. Chances are thats happend already. Then you'll get a CCJ if the solicitors take the matter to court. If this happens then any legal costs will be added to your debt. The poor guy at your old address will have the baliffs turn up at his door (i know as it has happed to me not long after i moved in to my house) but all he has to do is show them some ID and they'll leave him alone.
If your not sure what the debt is for then ring O2 and speak to them. You don't have to give them your new address if your sure you can get old letters forward to you. Or you could ring the debt collectors who can some times knock abit of the debt just to get it paid. If you feel O2 have passed on the debt with out consulting you and you feel that you wish to dispute the amount or the whole debt then put a complaint in writting to O2 and then contact the debt collectors and tell them that the amount is in dispute and they sould then give you and O2 a few weeks to try and sort things out and back off for a while. I know how sh*tty mobile companys can be...i had a huge fight with Orange once as they had over billed me for around �100 and they think they can do what they like. It took me over a year to fight them but i won in the end. If you are going to fight the debt then get back to me as i might have some good advice for you ok. I've been there and it's not nice.
hiya
thats so weird , o2 did the same to me except it was 900 quid!!!!!! they chased me for 2 yrs and now i havent heard from them. i have since moved so i dont know what happens there...they dont have my address but to be honest it was their own error so hopefully they have realised but my credit rating was seriously affected by them and there is nothing i can do about that
good luck bluevirgin
i wouldnt even worry bout it - no they wont go to the house or anything like that - i have had several situations like this and trust me nothing ever comes of it - basically - the phone company sells the amount of what you owe them to another company (they call themselves debt collection agency's) they buy it for a smaller price of its actual value - in which case o2 gets some of the money you owe them back - this suits them and this also suits the agency as they ask for lthe full amount back from you+more ....some people get scared and pay it - therefore this is why these agencies mention court etc..... you will find that if you ignore them (like i did) they will continue to send letter after letter - as time goes on you will notice that they reduce the amount (this is just them getting desperate to get the amount back fo which they bought it from o2) i honestly wouldnt pay it !!!!!!!!!! but if yolu insist - youcan arrange a payment plan with them - they will send you out blank giro slips and you pay them weekly till the amount owed is paid in full............... if you do choose this option - then please do not let them pressure you into demanding ridiculous amounts of weekly payments - they will try their best to -take no notice and simply inform them that is all you can afford - offer to send them a breakdown of your income an outgoings (make some of it up to show how poor you are) then offer only a small amount of around #5.00 per week - legallly they cannot take you to court - as it is classed as non- priority debt - and you have offered repayment - even if it is 25p - the courts are not interested,.............the only downfall is that your credit history maybe tarned.........................goood luck - i hate 02 tooo