Fredrickson and O2! extremely worried !

[Domlewis]

Hello, My girlfriend took out a phone contract with O2 and lent the phone to a friend as her father bought her another (long story) the friend then stole the phone and sold it (police couldnt do anything as the phone was lent ) And it had just gone over the 2 weeks so the contract couldn't be cancelled.
My girlfriend then lost her job so couldn't afford to pay the phone contract, and is still unemployed with no income.
She received multiple texts and phone calls of fredrickson which she ignored, they then sent a letter demanding payment which she didn't reply to again as she's under a lot of stress as it is!
today she received another stating 'letter before action - there remains an outstanding balance on this account and legal action is now being considered. Should it be necessary to instruct solicitors to issue proceedings in the county court, further additional amounts will be claimed which may increase the balance outstanding
outstanding now £867.75
new if proceedings issued £992.75.
it then goes on about Bailiffs may be instructed.
i am only part time and have a low income and she is now unemployed and lives with her parents. There is no way we can afford to pay this and she is stressing out and crying because of this situation. Is there anything we can do ? Please can someone help us!!

[Domlewis]

Re: Fredrickson and O2! extremely worried !

Hello, My girlfriend took out a phone contract with O2 and lent the phone to a friend as her father bought her another (long story) the friend then stole the phone and sold it (police couldnt do anything as the phone was lent ) And it had just gone over the 2 weeks so the contract couldn't be cancelled.
My girlfriend then lost her job so couldn't afford to pay the phone contract, and is still unemployed with no income.
She received multiple texts and phone calls of fredrickson which she ignored, they then sent a letter demanding payment which she didn't reply to again as she's under a lot of stress as it is!
today she received another stating 'letter before action - there remains an outstanding balance on this account and legal action is now being considered. Should it be necessary to instruct solicitors to issue proceedings in the county court, further additional amounts will be claimed which may increase the balance outstanding
outstanding now £867.75
new if proceedings issued £992.75.
it then goes on about Bailiffs may be instructed.
i am only part time and have a low income and she is now unemployed and lives with her parents. There is no way we can afford to pay this and she is stressing out and crying because of this situation. Is there anything we can do ? Please can someone help us!!

Also I am only 18, she has just turned 20, and doesn't own a home or anything like that
but if people like bailiffs etc turn up at her door her dad would go absolutely berserk over the whole thing

[FlamingParrot]

Re: Fredrickson and O2! extremely worried !

Hi and welcome.

First of all, they can't just send bailiffs out of the blue, they would need to obtain a CCJ first, then go back to the court to apply for a warrant of execution.

Ignoring this won't make it go away, they could well go ahead and issue a claim. I would suggest she should write back explaining her situation, something along these lines:

Dear Sirs

Ref: xxxxxxxx

I am writing to inform you that I am seeking advice and assistance regarding my current financial predicament, which does mean I am presently in financial difficulty. To this end, I would appreciate if you could hold any action on the above account for a period of at least 28 days.

Also, during this period, could you please freeze interest and/or any other charges that may be accruing on the account as additional debt will not help either of us, long term?

I look forward to hearing from you as soon as possible.
Yours faithfully,