
O2 decided my phone order was fraud and shut my account
After the handset was dispatched, a text from O2 told me it was thought to be a fraudulent order, the package was recalled mid-transit and my account was locked.
It took four days for O2 to confirm that my account would be reinstated once the handset was received.
A week after the cancelled delivery, I was informed by O2 that I had requested a change of number, and my phone line promptly stopped working. Its response to my complaint was to open a fraud ticket.
More days passed without word. I was told my complaint couldn't be escalated because I don't have an O2 account.
My nephew is in hospital, and I am a carer for my father and am no longer able to talk to them on the phone, or help manage my father's needs.
I am also losing access to things that rely on two-step verification.
Ironically, I've received several emails during this time asking how I was enjoying my new phone.
LE, London
O2 managed to pick up the phone to you the day I battered down the brick wall with which it seems to repel customers. It was another 11 days before it reconnected you to your phone number with a new sim card and offered you £100 in goodwill.
Considering you were left for three weeks without a service, and spent an estimated six hours chasing O2, this strikes both of us as pretty stingy.
It has now reprocessed your order for the new phone.
It says: 'While the order was correctly stopped after our systems detected potentially fraudulent activity, we accept that there were failings in our handling of this case after the customer confirmed to us that her order was legitimate.
'We have now sent LE a new sim and her account has been reconnected.'
KH of London had the opposite problem with her provider, Three. It informed her 18 months ago that she had signed a new phone contract. Only she hadn't, and she duly notified Three, which, she says, decided she had been a victim of ID fraud and promised to close down the new account.
Precisely a year later she received a default notice for a £1,461 debt for the phone she hadn't ordered.
Three told her not to worry; the transaction in her name had been marked as fraudulent. In a subsequent letter, however, it claimed she had ordered the phone and was liable for the debt.
The company eventually established that no handset had been dispatched, and that she owed nothing, but told her it had been unable to contact her. KH believes it was using the email address provided by the fraudster.
Four months passed and she finally received an apology for the saga and was assured, in writing, that the matter was closed. Hot on the heels of this came a letter demanding that she pay up, and thus the carousel that is Three's customer service resumed whirling. Its responses to me were similarly dizzying.
This time, in answer to me, it insisted KH had taken out the contract herself, and then cancelled it within the cooling-off period when the phone failed to arrive. Bizarrely, it also claimed that she then returned the device that had failed to arrive, whereupon the account was closed.
It then declared that KH reported the closed account as fraudulent five weeks later. The debt collection letter was an 'administration error', it said breezily, because it had forgotten to inform its debt collection agency that she did not owe anything.
None of this makes sense to you or me. If you had ordered it, and had successfully cancelled it, why would you later claim it was fraud? If you cancelled it because the phone failed to arrive, how did you manage to return it?
The good news is, the debt hounds have been called off and you've been paid £200 in goodwill.
Now and then I like to applaud a company whose customer service surpasses expectation.
DC of Malmesbury nominates Halfords: 'My Halfords pressure washer, bought online, lost pressure four months out of warranty. I asked the Halfords store in Swindon if it could advise whether it was repairable. Instead, the assistant disappeared and returned with a brand new replacement complete with a two-year warranty.'

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles


The Independent
18 minutes ago
- The Independent
How mortgage market changes could help first-time buyers onto the property ladder
SPONSORED BY TRADING 212 The Independent Money channel is brought to you by Trading 212. First-time buyers may be set for a leg-up onto the property ladder thanks to changing attitudes from the financial regulator - but there are risks to the changing landscape. Getting on the property ladder has been made harder in recent years by record high house prices that have outpaced wage growth. Additionally, stamp duty thresholds dropped for first-time buyers in April from £425,000 to £300,000 and from £250,000 to £125,000, adding to the upfront costs of buying a property. First-time buyers may still benefit from the stamp duty exemption across most of the country where properties are worth below £300,000, though the average property price in London is £567,000, making it hard to buy in the capital. Even if you can find a property, many buyers have been restricted by tough mortgage regulations. The Financial Conduct Authority (FCA) introduced tougher lending rules in 2014 under the mortgage market review to stop a repeat of the 2008 financial crisis, where many borrowers were left with loans they couldn't afford. That has meant buyers have to pass tough affordability assessments and interest rate stress tests. One silver lining is that mortgage rates have been falling in recent months, although they remain higher than historical standards. This all makes getting on the property ladder more complex and expensive - but it may be about to get easier. How is the mortgage market changing Ultimately, a housing market without people buying homes means less money is spent in the economy on activities such as estate agencies, legal services and removals, plus the Treasury takes less tax. This is part of the reason why Chancellor Rachel Reeves has called on regulators to be more inventive to help stimulate economic growth. The FCA launched a discussion paper last month seeking ideas on changes to encourage home ownership and economic growth. Outcomes include more flexibility on stress tests, letting past payment of rent alone prove affordability and lending to first time borrowers based on their expected career trajectories. David Geale, executive director for payments and digital finance, said: 'We want to evolve our mortgage rules to help more people access sustainable home ownership. Having achieved higher standards in the market, now is the time to consider allowing more flexibility in a trusted market. "Changing our mortgage rules could make it easier for people to get onto the property ladder and manage mortgages into retirement. 'We can't solve all the issues related to home ownership. But we're playing our part in helping people better use the mortgage market to navigate their financial lives and to encourage a dynamic, innovative and competitive market.' Changes already in effect The FCA has already made some changes by altering rules around loan-to-income (LTI) ratios. The ratio caps the number of new residential mortgage loans that can be made at an LTI of 4.5 times or more to 15 per cent of their total number of new mortgage loans per year. Since 11 July 2025, the limit has applied to lenders who approve loans with a total value of above £150 million a year, rather than the current £100m threshold that was set in 2014. This will ultimately help smaller mortgages approve more loans. Rachel Geddes, strategic lender relationships director at the Mortgage Advice Bureau, said lenders, brokers and customers have been crying out for an update for some time. She added: 'The caps for lenders have been so rigid as they've tried to be risk averse, so it's actually become a hindrance in limiting the customer's ability to buy. 'We need to help people become homeowners, and this is one of the ways of doing it - as long as it's done in a very responsible way.' Santander then became one of the first lenders to relax their stress test rules, with others following. There are signs that the sentiment from the FCA is being reflected among mortgage lenders. Average mortgage rates are close to a three-year low, according to Moneyfacts, while product choice has also increased overall to 6,908 options - the highest level since October 2007. Nationwide has already said it will increase its lending limits. Many mortgage brokers remain cautious though, with memories of the 2008 financial crash still on many people's minds, when homeowners got stuck in negative equity as house prices crashed and the value of their property fell below what their loan was worth. Riz Malik, director of R3 Wealth, said: 'First-time buyers need help but not at any costs. Lending them more today might get them on the ladder but it is not helpful if that mortgage then becomes a noose and you end up living to pay your mortgage if rates rise in the future. 'Just because a lender may give you a large mortgage doesn't mean you should take every penny they are prepared to lend and inexperienced borrowers need to be made aware of this.' Responsibility remains key for both lenders and borrowers, as well as regulators. Rob Peters, principal at Simple Fast Mortgage, added: 'Relaxing rules could open the door for many who currently can't get on the property ladder, but we must tread carefully. 'Greater flexibility in lending can encourage innovation and expand options, but it also brings risks if we don't keep affordability and long-term sustainability at the forefront. The key is balancing innovation with responsible lending, ensuring people don't overcommit and face financial hardship down the road.' When investing, your capital is at risk and you may get back less than invested. Past performance doesn't guarantee future results.


Telegraph
18 minutes ago
- Telegraph
Shard flats left empty after Reeves's non-dom tax raid
Luxury flats at the top of The Shard have been left empty after Rachel Reeves's non-dom tax raid drove away wealthy buyers, the property's Qatari backers say. Real Estate Management (Rem), which is owned by the State of Qatar, said that it was 'very disappointed' with lack of progress made on letting out 10 luxury flats on the 72-storey skyscraper's upper levels, which are priced at between £30m and £50m each. Rem said Ms Reeves's tax changes for wealthy individuals was 'driving many such investors away' from Britain and hammering demand for ultra-expensive property. 'The long-heralded change in UK tax rules applied to overseas residents, which were accelerated by the current UK administration to apply from April 2025, [has] had the feared impact of driving many such investors away from the UK to escape double taxation of their worldwide income,' it said in accounts. 'This group of wealthy overseas investors has been the core constituency for super-prime lettings in the UK.' Ms Reeves abolished the non-dom status in April this year, while also bringing in sweeping inheritance tax changes. Those changes have been blamed for driving some of Britain's wealthiest people away from the country. The flats, on floors 53 to 65 of The Shard, were thought to have been priced between £30m and £50m after the skyscraper opened in 2012. They have been empty ever since, amid speculation that Qatar's royal family kept the flats for their own use while visiting London. Rem is an investment adviser tasked with letting out the flats. The properties are owned by another Qatar-backed entity, LBQ Four. The flats were made available for occupation in late 2023 after undergoing construction works, but despite 'every effort' to let them their availability coincided with a 'severe contraction' in the ultra-prime property market, Rem said. Rem's portfolio includes the Shard Quarter, The News Building and Park House on Oxford Street. It also owns The Shard's viewing gallery, which has reported 'difficult trading'. Qatari Diar, the property division of the state's sovereign wealth fund, bought 80pc of the skyscraper in 2008 after the project ran into financial difficulties. It later increased its stake to 95pc, with developer Sellar Property Group owning the remainder. The difficulties at The Shard capped off a difficult period for Rem, with pre-tax profit falling from £8.1m to £7.5m in the year ending December 2024. Rem also said it was struggling with recruiting and keeping skilled managerial and building staff, as well as the workforces of business partners contracted to undertake services across its property portfolio. Wars in Ukraine and the Middle East, Donald Trump's tariffs and falling commercial property values had created a 'brew of uncertainty, investor hesitancy and a lack of stability', it said.


Daily Mail
21 minutes ago
- Daily Mail
Historic 400-year-old pub saved from closure after its boomer landlords raised £650k to keep it open with viral Gen-Z slang TikTok finally re-opens
A village pub where bouncing bomb inventor Barnes Wallis stayed has reopened after a TikTok campaign by locals to save it. The community of Langton Herring in Dorset raised £650,000 to buy The Elm Tree Inn with the help of a Gen Z-slang video that went viral. Their social media efforts reached over a million people worldwide and led to money coming in from the US, Australia and Germany. The pub, where Wallis was billeted while he tested out his ingenious bombs on the nearby Fleet ahead of the Dambusters raid in World War Two, closed in 2023. But villagers have tirelessly worked over the last 18 months to raise the money needed to be able to buy it for the community. The Friends of the Elm Tree offered people the chance to buy shares in the pub but when their fundraising efforts stalled at the halfway mark they turned to social media to drum up more support. Their TikTok videos featured 'Boomers' or older villagers, talking about their pub using Generation Z language – including rizz, [charm or style], delulu [delusional] and 'spill the tea' [share the gossip]. The group achieved millions of views and thousands of pounds in donations from strangers around the world, and topped up their funds with some loans, which they hope to repay quickly. They bought the pub for £550,000 and carried out a refurbishment before reopening today. Some of the first customers were a couple from America who pledged money after seeing the TikTok campaign. Katherine and James Parsons are the new tenant landlord and landlady, brought in by the campaign group to run the pub. They say the focus will be on local produce and being affordable and sustainable. Katherine said: 'One thing they [the Friends group] were very keen for was making it affordable so we will be offering pub classics and everything we do is going to be with a local twist, I wouldn't let the chefs do anything else. 'If people want to come in for a simple pie and a pint, or passing by on bicycle or walking through and just coming in for a quick refreshment, ut's available for all, it's not just for locals.' The TikTok video, which features the boomers of the village using expressions like 'slay', 'GOAT' and 'salty', got 1.9m views, A second video with more references like 'delulu' and 'rizz' racked up another 2.4m views. Donations were received from all over the world, including Ukraine, Azerbaijan and Sri Lanka, and the group were overwhelmed with the support. The historic pub shut after more than 300 years of trading with the owners blaming a 'decline in trade' and a 'challenging operating environment'. The friends group say their next challenge is coming up with ways to reduce overheads so the pub does not fall into hardship again. Martin Pearson, from the Friends of The Elm Tree, said: 'We are completely thankful, surprised and really pleased both with the local support we have had and the amazing support from people who have never been here. 'We had over 3,000 donations from random people with no connection to the pub or area and about 40 per cent of those have come from the States so I'm sure we will get the odd American popping in. 'And for the villagers who haven't had a pub for nearly two years, so we are expecting a lot of interest. 'The pub was in fairly reasonable condition but it had been empty for 18 months so it needed to be cleaned up, equipment updated and new garden furniture bought. 'A big part of the process was finding the right people to come in and run the pub, that fitted with the vision we had.' As well as Barnes Wallis, Winston Churchill also visited the pub during a secret visit to the Fleet in the Second World War. The pub also has links to a Cold War spy ring, when it was rumoured to be a secret rendezvous point for Russian spies. Harry Houghton and his girlfriend Ethel Gee worked for the Admiralty Underwater Weapons Establishment on nearby Portland and would wait for calls from their KGB controller at the Elm Tree.