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02 debt owned by lowell. Not a credit agreement?


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Mobile contracts are service agreements and are not regulated by the CCA, so there is no obligation to provide a signed agreement. Use of the service forms the contract. The T&Cs that you agree to when applying for the contract allow them to report account activity to CRAs. That is my understanding.

 

I agree that it seems bizarre that they should think you had three separate agreements - that just sounds wrong, but you will probably need to SAR O2 to get more information on that - unless Lowell issue proceedings and then you can use CPR 31.14 to get the details.

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