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O2 Refresh- immediate cancellation, keep the phone?

£0.00 @ O2
O2 Refresh allows you to buy a new phone 'like new' which, for a pauper like me, is perfect. Only thing is, I don't want to be locked into a crappy contract for 2 years. Having looked through the … Read More
Clunton Avatar
3m, 3w agoPosted 3 months, 3 weeks ago
O2 Refresh allows you to buy a new phone 'like new' which, for a pauper like me, is perfect. Only thing is, I don't want to be locked into a crappy contract for 2 years.

Having looked through the ts&cs, I've formulated a plan but need some assistance:

a) O2 Refresh treats the phone plan as separate to the services plan (this is clearly hogwash, but whatever) but gives the opportunity to pay off the phone upfront in exchange for a cheaper monthly bill.

b) Apparently, you can cancel your contract within 30 days, only paying off the services that you've used so far.

x) So, if I buy a phone for less eg Galaxy S7 £360 + £14 cheapest monthly plan, can I cancel within the month, pay off my first bill, but keep the phone for a fraction of its price (then unlock it myself?)

Anyone tried this?

Got scammed just before Christmas so money is tight but current 3-year old phone is currently dead. Fanx!
Other Links From O2:
Clunton Avatar
3m, 3w agoPosted 3 months, 3 weeks ago
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Best Answer
whatyadoinsucka
Clunton
whatyadoinsucka
joeluken
whatyadoinsucka
joeluken
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.
I think people get confused over the difference between cancelling airtime element within the cooling off period and cancelling airtime outside this period if they pay for the device in full either upfront or by settling the device loan.
Outside the 14 days cooling off period paying for the device in full still leaves the customer liable for the full airtime minimum term should the airtime is cancelled.
Not with o2 refresh, Once the CCA is paid of 1 day 30 day or even 360 days then the airtime can be cancelled immediately, this is a little unclear it you definitely do not have to pay the full airtime contract
That's not my understanding. Where in the CCA is that the airtime is cancelled once the device pan is paid at any point ?
This is the differentiating factor between o2 refresh and all the other operator contracts and other style o2 contracts that do not split out the CCA phone element of the bill.
Google it and responses to these questions are on the o2 site like my last post comments
I'm now completely confused.
I've amended the comment above, do not pay handset upfront, take on CCA and then it's a 30 day cancellation period if you miss the intital 14 day peace of mind cancelllation.

THAT would've cost me... Okay, so it's actually a mutli-stage dealio. DON'T pay for it upfront, DO take the CCA, DO pay off the device asap (reckon I could do it same day?) AND THEN cancel the airtime plan. All this will allow me to have a good phone for about £100 less.

This... This seems like the plan?


Edited By: Clunton on Dec 27, 2016 12:52

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#1
You're liable for the contract for as long as you still owe on the CCA for the phone. So yes, you can cancel as soon as you like but only after you pay off the device plan in full.


Edited By: missy89 on Dec 27, 2016 11:31
#2
Mobile phone companies are experts at this game, they are like insurance companies.. you will never "win" against them.. the best you can hope for is to end up paying the market price for the phone if you try to cut the contract short.
#3
missy89
You're liable for the contract for as long as you still owe on the CCA for the phone. So yes, you can cancel as soon as you like but only after you pay off the device plan in full.



So if I pay off the phone upfront, that's me paying off the 'locked-in' clause of my contract?
#4
cooliomoolio
Mobile phone companies are experts at this game, they are like insurance companies.. you will never "win" against them.. the best you can hope for is to end up paying the market price for the phone if you try to cut the contract short.


I imagine this to be the case, but every suit of armour has a chink.
#5
Clunton
missy89
You're liable for the contract for as long as you still owe on the CCA for the phone. So yes, you can cancel as soon as you like but only after you pay off the device plan in full.
So if I pay off the phone upfront, that's me paying off the 'locked-in' clause of my contract?

Yep, that's the main benefit of the o2 Refresh contracts - a lot of people do it this way to get a phone cheaper than buying it outright. The s7 range are on sale at the moment AND you get (by redemption) a free Samsung portable Bluetooth speaker :) happy days
#6
Some confusing and ambiguous terminology being used in this thread. Proceed with caution.
#7
Instore, a quick check on the S7 prices show that the cheapest you could get the phone for is with £89.99 upfront, £26 a month (£12 device plan £14 airtime plan) and then you pay off the remaining £288 making the whole phone £377.99 overall. You can cancel the contract when you pay, hope this helps
#8
There's plenty of O2 refresh deals posted, most of them are very good deals if you pay for the phone and cancel the airtime plan.
#9
I did a similar thing with o2 on a Samsung tablet recently. Found this expired Deal which details how to cancel the airtime and pay off the device at the same time. From experience ask o2 to unlock it, once unlocked then call back and cancel the airtime and then pay off the device.
#10
AndyRoyd
Some confusing and ambiguous terminology being used in this thread. Proceed with caution.
My apologies, I'm not the most fluent in legalese. If you'd like to correct me, I won't be offended.
However, it's my understanding that O2 Refresh is two plans in one, where the phone plan is the part that binds you to O2 and you cannot leave without paying that off, whereas the services (minutes, data etc) is for exactly that and you need not pay for services if you don't wish to receive them. i.e. a 24-month contract is for the phone more than the services, so paying off the phone negates the contract length.

Edited By: Clunton on Dec 27, 2016 12:16: Added missing quote
#11
You have a couple of option usually to either "pay in full" for the device at the point of ordering or settle the refresh device plan by paying the outstanding calling when you cancel the airtime contract during the "change your mind" 14 day cooling off period. I chose to pay on full upfront when I ordered because the cost was the same.

O2 will unlock contact phones for free so before cancelling the airtime active the O2 sim wait 24 hours and request the unlock for free. Once the unlock in confirmed you can then cancel the airtime. In my case the unlock request was done within 5 hours. If you request the unlock too early and it's rejected but you've cancelled in the airtime already you will have issues getting O2 to unlock because the sim is now dead.

I also suggest the following because O2's billing system is pants and it'w important that you cancel the direct debit as soon as the mandate is visible in your bank account to avoid O2 taking your money. If you don't it's highly likely O2 will take the first airtime payment around 14 days after you receive the phone even though the airtime is cancelled. 14 days after cancelling the airtime O2 will send a final bill and it will probably add an erroneous (assuming the airtime is cancelled in the 14 day cooling off period) early termination free equal to the total contract airtime less any payments and VAT so usual hundreds of pounds. Although this is incorrect it's likely O2 will also take this total via direct debit hence the reason to cancel the DD mandate as soon as it's visible. Your final bill should be pro rata your monthly airtime for the number of days the sim is active and O2 activates the sim (just not with your handset) prior to shipping.

I found it best to use live chat to ensure I have a transcript of the airtime cancellation and telling O2 the DD was cancelled. I'd also suggest reconfirming the airtime is cancelled 24 hours later to be sure. The key to all of this is cancellation within the 14 day change your mind cooling off period. Outside of this you may be liable for the full contract airtime.

Good luck !

You can safe a lot on the handset but you need to be sharp with O2 to avoid billing issues.
#12
joeluken
You have a couple of option usually to either "pay in full" for the device at the point of ordering or settle the refresh device plan by paying the outstanding device plan amount when you cancel the airtime contract during the "change your mind" 14 day cooling off period. I chose to pay on full upfront when I ordered because the cost was the same.

O2 will unlock contact phones for free so before cancelling the airtime activate the O2 sim, wait 24 hours and request the unlock for free. Once the unlock in confirmed you can then cancel the airtime assuming you want O2 to unlock the device. In my case the iphone unlock request was done within 5 hours. If you request the unlock too early and it's rejected but you've cancelled in the airtime already you will have issues getting O2 to unlock because the sim is now dead.

I also suggest the following because O2's billing system is pants and it's important that you cancel the direct debit as soon as the mandate is visible in your bank account to avoid O2 taking your money. If you don't it's highly likely O2 will take the first airtime payment around 14 days after you receive the phone even though the airtime is cancelled. 14 days after cancelling the airtime O2 will send a final bill and it will probably add an erroneous (assuming the airtime is cancelled in the 14 day cooling off period) early termination fee equal to the total contract airtime less any payments and VAT so usual hundreds of pounds. Although this is incorrect it's likely O2 will also take this total via direct debit hence the reason to cancel the DD mandate as soon as it's visible. Your final bill should be pro rata your monthly airtime for the number of days the sim is active and O2 activates the sim (just not with your handset) prior to shipping.

I found it best to use live chat to ensure I have a transcript of the airtime cancellation and telling O2 the DD was cancelled. I'd also suggest reconfirming the airtime is cancelled 24 hours later to be sure. The key to all of this is cancellation within the 14 day change your mind cooling off period. Outside of this you may be liable for the full airtime contract minimum term i.e. 24 months which can be cancelled by giving 30 days notice but means paying the full airtime balance minus VAT for the remainder of the minimum term.

Good luck !

You can save a lot on the handset but you need to be sharp with O2 to avoid billing issues.






Edited By: joeluken on Dec 27, 2016 12:01
#13
missy89
Instore, a quick check on the S7 prices show that the cheapest you could get the phone for is with £89.99 upfront, £26 a month (£12 device plan £14 airtime plan) and then you pay off the remaining £288 making the whole phone £377.99 overall. You can cancel the contract when you pay, hope this helps


Yeah, this looks like what I'd do. I gather you can pay for the whole phone at the beginning, though, no?

I'm tentatively ecstatic if this is the case!
#14
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.

Just remember to cancel ASAP as I feel you miss the piece of mind return period, then you will have to pay the first bill or current month line rental, hence why if I did it, I'd take out the contract, pay of the CCA the following day, cancel the airtime and job done

Edited By: whatyadoinsucka on Dec 27, 2016 12:03
#15
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.


Sorry, I don't understand what's hogwash? Isn't this what the others are saying? Pay off the phone early and cancel the airtime?
#16
This comment by joeluken is wholly incorrect
" O2 will send a final bill and it will probably add an erroneous (assuming the airtime is cancelled in the 14 day cooling off period) early termination free equal to the total contract airtime less any payments and VAT so usual hundreds of pounds"

If you miss your timings o2 will charge you the regular payment you signed up for namely the monthly airtime rate, why would they charge you for 24 months airtime..
but I do agree with him, cancel the direct debit asap

Edited By: whatyadoinsucka on Dec 27, 2016 12:07
#17
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.

I think people get confused over the difference between cancelling airtime element within the cooling off period and cancelling airtime outside this period if they pay for the device in full either upfront or by settling the device loan.

Outside the 14 days cooling off period paying for the device in full still leaves the customer liable for the full airtime minimum term should the airtime is cancelled.
#18
Clunton
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.

Sorry, I don't understand what's hogwash? Isn't this what the others are saying? Pay off the phone early and cancel the airtime?
Your original post said its hogwash, my point was the bill is definitely 2 parts.
namely one part is cca and the other part is airtime charges. Its a legal requirement to split this bill to enable the CCA element to be sold off as debt to banks and other financial institutions
#19
joeluken
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.

I think people get confused over the difference between cancelling airtime element within the cooling off period and cancelling airtime outside this period if they pay for the device in full either upfront or by settling the device loan.

Outside the 14 days cooling off period paying for the device in full still leaves the customer liable for the full airtime minimum term should the airtime is cancelled.


So, yeah? Assuming I buy, pay off the phone and cancel the airtime within 14 days, I keep the phone, don't pay off a full airtime contract?
#20
whatyadoinsucka
Clunton
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.

Sorry, I don't understand what's hogwash? Isn't this what the others are saying? Pay off the phone early and cancel the airtime?
Your original post said its hogwash, my point was the bill is definitely 2 parts.
namely one part is cca and the other part is airtime charges. Its a legal requirement to split this bill to enable the CCA element to be sold off as debt to banks and other financial institutions


You're quite right, I did.
#21
joeluken
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.
I think people get confused over the difference between cancelling airtime element within the cooling off period and cancelling airtime outside this period if they pay for the device in full either upfront or by settling the device loan.

Outside the 14 days cooling off period paying for the device in full still leaves the customer liable for the full airtime minimum term should the airtime is cancelled.

Not with o2 refresh, Once the CCA is paid of 1 day 30 day or even 360 days then the airtime can be cancelled immediately, this is a little unclear but you definitely do not have to pay the full airtime contract

Edited By: whatyadoinsucka on Dec 27, 2016 12:16
#22
whatyadoinsucka
This comment by joeluken is wholly incorrect
" O2 will send a final bill and it will probably add an erroneous (assuming the airtime is cancelled in the 14 day cooling off period) early termination free equal to the total contract airtime less any payments and VAT so usual hundreds of pounds"

If you miss your timings o2 will charge you the regular payment you signed up for namely the monthly airtime rate, why would they charge you for 24 months airtime..

I purchased a phone using refresh from O2 just before xmas and what I posted above in factual based on what O2 has billed me so far. It's not an isolated case if you read the recent deal posts on here for iphones.

I paid in full for the device at the point of ordering and selected a £9 per month 24 month airtime plan.

I cancelled the airtime within 3 days of receiving the device and O2 attempted to take £9 14 days from my order date. 14 days following airtime cancellation I received a further "final" bill for £171. This bill included the erroneous early termination fee which would only apply if I cancelled airtime outside the 14 day cooling off period. O2 plans to take this amount by DD 14 days later according to its bill. O2 has confirmed this is wrong but has suggested unless the DD is cancelled it may take this amount leaving me in the position of having to reclaim the money. These are the facts and people have been stung by not keeping an eye on the DD.

Edited By: joeluken on Dec 27, 2016 12:18
#23
Well clearly their billing is incorrect
Taken direct from their site
"How much does it cost to end your contract early on O2 Refresh? What do you charge for the leftover Airtime Plan?

With O2 Refresh, there’s no penalty for ending your contract early. All you have to do is pay off the balance of your Phone Plan.

There’s no termination charge for ending your Airtime Plan once you’ve settled your Phone Plan."
#24
Claims money is tight but wants to buy an expensive phone
#firstworldproblems.
#25
thedvdmonster
Claims money is tight but wants to buy an expensive phone
#firstworldproblems.
Yes, if I buy a good phone now, then I won't have to buy another one for three years, like I've done the last 6 years. I've also waited for the sales. This saves money and the environment.

I don't think at any point I was claiming I live in a favela, but thank you for your passive-aggressive comment at this magical time of year.
#26
whatyadoinsucka
joeluken
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.
I think people get confused over the difference between cancelling airtime element within the cooling off period and cancelling airtime outside this period if they pay for the device in full either upfront or by settling the device loan.

Outside the 14 days cooling off period paying for the device in full still leaves the customer liable for the full airtime minimum term should the airtime is cancelled.
Not with o2 refresh, Once the CCA is paid of 1 day 30 day or even 360 days then the airtime can be cancelled immediately, this is a little unclear it you definitely do not have to pay the full airtime contract

That's not my understanding. Where in the CCA is that the airtime is cancelled once the device pan is paid at any point ?

This is the "Your Pay Monthly Mobile Agreement" that covers airtime and not the CCA device agreement.
http://www.o2.co.uk/termsandconditions/mobile/our-latest-pay-monthly-mobile-agreement

"8. Ending the Agreement

8.1 As well as any other rights we have, we can end the Agreement and/or a Related Agreement at any time, with immediate effect if:
(a) you don't pay Charges when they are due. This includes any deposit we've asked for;
(b) you break this Agreement and/or a Related Agreement in any other material way and you don't correct the situation within 7 days of us asking you to;
(c) we reasonably believe that the Service is being used in a way forbidden by paragraph 6, even if you don't know that the Service is being used in such a way;
(d) you're in breach of paragraphs 6.3 (a)-(e) or you persistently behave in a way that would allow us to bar your SIM Card in accordance with paragraph 7 of this Agreement;
(e) we reasonably believe that you are infringing or have infringed our Rights or the Rights of a third party;
(f) you are the subject of a bankruptcy order, or become insolvent, or make any arrangement with or for the benefit of creditors; or
(g) you refuse to return or unreasonably delay in returning any payment, refund or credit that has been made to you in error or for the incorrect amount.
8.2 This Agreement can be ended by either you or by us giving at least 30 days' Notice (in line with paragraph 19). Unless your statutory rights allow otherwise, y ou must pay us any outstanding Charges, including the Charges for this notice period.
8.3 Unless otherwise specified, if you end this Agreement during any Minimum Period or we end this Agreement under paragraph 8.1(a)-(e) and (g), you must pay us a fee of no more than each of the Monthly Subscription Charges up to the end of the Minimum Period. If you pay us the fee of no more than each of the Monthly Subscription Charges up to the end of that Minimum Period in a single payment, we may reduce the amount due by a rate determined by us. This doesn't apply if you end the Agreement for the one of reasons in paragraph 8.4 below.
8.4 You can end this Agreement by giving us: Notice (in line with paragraph 19) if:
(a) we break a material term of this Agreement which completely restricts our ability to provide you with the Service and we don't correct it within 7 days of receiving your complaint;
(b) we go into liquidation or a receiver or administrator is appointed over our assets;
(c) we increase our Charges in a way that would allow you to end the Agreement under paragraph 5.4 and/or 5.5; or
(d) we change the terms of this Agreement to your significant disadvantage (which for the avoidance of doubt shall not include an increase in Charges for Additional Services, or an increase in Charges as set out in paragraphs 5.2, 5.3 or 5.4 (a) and (b)).
8.5 If you end this Agreement and have a credit on your final bill, please go to http://www.o2.co.uk/finalbillrefund and we'll arrange to have this refunded to you."

Edited By: joeluken on Dec 27, 2016 12:31
#27
joeluken
whatyadoinsucka
This comment by joeluken is wholly incorrect
" O2 will send a final bill and it will probably add an erroneous (assuming the airtime is cancelled in the 14 day cooling off period) early termination free equal to the total contract airtime less any payments and VAT so usual hundreds of pounds"
If you miss your timings o2 will charge you the regular payment you signed up for namely the monthly airtime rate, why would they charge you for 24 months airtime..
I purchased a phone using refresh from O2 just before xmas and what I posted above in factual based on what O2 has billed me so far. It's not an isolated case if you read the recent deal posts on here for iphones.
I paid in full for the device at the point of ordering and selected a £9 per month 24 month airtime plan.
I cancelled the airtime within 3 days of receiving the device and O2 attempted to take £9 14 days from my order date. 14 days following airtime cancellation I received a further "final" bill for £171. This bill included the erroneous early termination fee which would only apply if I cancelled airtime outside the 14 day cooling off period. O2 plans to take this amount by DD 14 days later according to its bill. O2 has confirmed this is wrong but has suggested unless the DD is cancelled it may take this amount leaving me in the position of having to reclaim the money. These are the facts and people have been stung by not keeping an eye on the DD.

So, to be clear, you plan to claim this money back? They had no right to take it within the rules you played by?
#28
joeluken
whatyadoinsucka
joeluken
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.
I think people get confused over the difference between cancelling airtime element within the cooling off period and cancelling airtime outside this period if they pay for the device in full either upfront or by settling the device loan.
Outside the 14 days cooling off period paying for the device in full still leaves the customer liable for the full airtime minimum term should the airtime is cancelled.
Not with o2 refresh, Once the CCA is paid of 1 day 30 day or even 360 days then the airtime can be cancelled immediately, this is a little unclear it you definitely do not have to pay the full airtime contract
That's not my understanding. Where in the CCA is that the airtime is cancelled once the device pan is paid at any point ?
This is the differentiating factor between o2 refresh and all the other operator contracts and other style o2 contracts that do not split out the CCA phone element of the bill.
Google it and responses to these questions are on the o2 site like my last post comments
Ps. Your t&cs are pay monthly airtime, not the airtime contract associated to an o2 refresh tariff

Read section 1.3 section C.
looks like you messed up by paying in full upfront, and so CCA never setup otherwise it's a 30 day cancellation within the 24 month period once phone plan paid off , unless paid of in 14 days and then cancelled immediately
http://www.o2.co.uk/termsandconditions/mobile/our-latest-pay-monthly-tariff-terms



Edited By: whatyadoinsucka on Dec 27, 2016 12:50: Typo
#29
whatyadoinsucka
joeluken
whatyadoinsucka
joeluken
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.
I think people get confused over the difference between cancelling airtime element within the cooling off period and cancelling airtime outside this period if they pay for the device in full either upfront or by settling the device loan.
Outside the 14 days cooling off period paying for the device in full still leaves the customer liable for the full airtime minimum term should the airtime is cancelled.
Not with o2 refresh, Once the CCA is paid of 1 day 30 day or even 360 days then the airtime can be cancelled immediately, this is a little unclear it you definitely do not have to pay the full airtime contract
That's not my understanding. Where in the CCA is that the airtime is cancelled once the device pan is paid at any point ?
This is the differentiating factor between o2 refresh and all the other operator contracts and other style o2 contracts that do not split out the CCA phone element of the bill.
Google it and responses to these questions are on the o2 site like my last post comments

I'm now completely confused.
#30
Joe you shouldn't have paid upfront, 30 day notice on airtime otherwise
1.3 O2 Refresh

(a) If you're an O2 Refresh customer you will get a Pay Monthly tariff that combines a 24-month Airtime Plan on a Pay Monthly Mobile Agreement and one or more Device Plans that allow you to pay for your equipment either upfront (the Cash Price) or by paying monthly instalments on a Consumer Credit Agreement. O2 Refresh is a tariff which is only sold in conjunction with equipment. Selected combinations of Device Plans and Airtime Plans with selected devices/bundles will include an up-front payment.

(b) If you've paid off your O2 Refresh Device Plan(s) (after 24 months or earlier if you choose to pay off early before the end of the 24 month term), you can either:

Decide to continue with your original Airtime Plan. In these circumstances, the combined Pay Monthly tariff will automatically reduce to reflect just the Airtime Plan tariff, until it is terminated on 30 days' notice in accordance with our Pay Monthly Mobile Agreement; or
Take a new O2 Refresh deal. If you're paying off a Device Plan early we waive the remaining months of your linked Airtime Plan that you haven't used, allowing you to upgrade; or
Terminate your Airtime Plan and Pay Monthly Mobile Agreement. We'll waive the remaining months of your linked Airtime Plan that you haven't used (as required by the Consumer Credit Act 1974), entitling you to terminate so that in these circumstances, your Airtime Plan will be treated as not having any remaining Minimum Period for the purposes of paragraph 8.3 of the Pay Monthly Mobile Agreement.
For the avoidance of doubt, in paragraphs (ii) and (iii) above, Charges (including for Additional Services) not included in your monthly Airtime Plan, or Charges arising prior to full repayment of the balance of a Device Plan, will not be waived and will be billed as normal. You will not be entitled to a refund of Charges already paid when paying off a Device Plan.

(c) If you've bought the device outright on O2 Refresh by paying the full Cash Price upfront, you will have an Airtime Plan with a 24 month Minimum Period which can be terminated in accordance with our Pay Monthly Mobile Agreement, unless you're upgrading to a new O2 Refresh deal. In that case, we'll waive the remaining months of your linked Airtime Plan that you haven't used to allow you to upgrade. For the avoidance of doubt, Charges (including for Additional Services) not included in your monthly Airtime Plan, or Charges arising prior to upgrade will not be waived and will be billed as normal. Unless otherwise provided for, you will not be entitled to a refund of Charges already paid when upgrading or changing tariffs.

(d) O2 Refresh and all Pay Monthly tariffs are subject to status, credit check, and payment by Direct Debit. Applicants must be over 18. Tariffs and equipment are subject to availability.
#31
Clunton

So, to be clear, you plan to claim this money back? They had no right to take it within the rules you played by?

I don't need to because I cancelled the DD with by bank when I cancelled the airtime so O2 can't take it thankfully. The reason I did this was because of horror stories about O2 billing people erroneously forcing them to reclaim hundreds back after they didn't notice the amounts being taken immediately.

I've now experienced the billing first hand and so be prepared for reality rather than what people say O2 won't or can't do.

Good luck !
#32
Clunton
whatyadoinsucka
joeluken
whatyadoinsucka
joeluken
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.
I think people get confused over the difference between cancelling airtime element within the cooling off period and cancelling airtime outside this period if they pay for the device in full either upfront or by settling the device loan.
Outside the 14 days cooling off period paying for the device in full still leaves the customer liable for the full airtime minimum term should the airtime is cancelled.
Not with o2 refresh, Once the CCA is paid of 1 day 30 day or even 360 days then the airtime can be cancelled immediately, this is a little unclear it you definitely do not have to pay the full airtime contract
That's not my understanding. Where in the CCA is that the airtime is cancelled once the device pan is paid at any point ?
This is the differentiating factor between o2 refresh and all the other operator contracts and other style o2 contracts that do not split out the CCA phone element of the bill.
Google it and responses to these questions are on the o2 site like my last post comments
I'm now completely confused.
I've amended the comment above, do not pay handset upfront, take on CCA and then it's a 30 day cancellation period if you miss the intital 14 day peace of mind cancelllation.
#33
joeluken
Clunton

So, to be clear, you plan to claim this money back? They had no right to take it within the rules you played by?
I don't need to because I cancelled the DD with by bank when I cancelled the airtime so O2 can't take it thankfully. The reason I did this was because of horror stories about O2 billing people erroneously forcing them to reclaim hundreds back after they didn't notice the amounts being taken immediately.

I've now experienced the billing first hand and so be prepared for reality rather than what people say O2 won't or can't do.

Good luck !
Because you paid the device upfront hen the CCA never kicked in hence you signed up to a 24 month airtime contract, if you'd signed up for the CCA and then cancelled mid month then you have a 30 day cancellation period
1.3c
http://www.o2.co.uk/termsandconditions/mobile/our-latest-pay-monthly-tariff-terms
#34
whatyadoinsucka
Clunton
whatyadoinsucka
joeluken
whatyadoinsucka
joeluken
whatyadoinsucka
Hogwash? the phone payment is a cca (customer credit agreement), this is a 0% loan with which to effectively buy the phone over x months (usually 24 months).
Per the o2 T&Cs once the CCA is paid off, then the airtime can be cancelled, not sure why so many people get confused over this .
If their is a good deal on a phone and it works out cheaper than buying outright or within a contract then you often see deals on this site for the o2 refresh.
I think people get confused over the difference between cancelling airtime element within the cooling off period and cancelling airtime outside this period if they pay for the device in full either upfront or by settling the device loan.
Outside the 14 days cooling off period paying for the device in full still leaves the customer liable for the full airtime minimum term should the airtime is cancelled.
Not with o2 refresh, Once the CCA is paid of 1 day 30 day or even 360 days then the airtime can be cancelled immediately, this is a little unclear it you definitely do not have to pay the full airtime contract
That's not my understanding. Where in the CCA is that the airtime is cancelled once the device pan is paid at any point ?
This is the differentiating factor between o2 refresh and all the other operator contracts and other style o2 contracts that do not split out the CCA phone element of the bill.
Google it and responses to these questions are on the o2 site like my last post comments
I'm now completely confused.
I've amended the comment above, do not pay handset upfront, take on CCA and then it's a 30 day cancellation period if you miss the intital 14 day peace of mind cancelllation.

THAT would've cost me... Okay, so it's actually a mutli-stage dealio. DON'T pay for it upfront, DO take the CCA, DO pay off the device asap (reckon I could do it same day?) AND THEN cancel the airtime plan. All this will allow me to have a good phone for about £100 less.

This... This seems like the plan?


Edited By: Clunton on Dec 27, 2016 12:52
#35
Bang on, that 1.3 section c has messed up joe's plans , in theory he never took out a CCA. So the small print messes it up, sign the CCA agreement and then 1.3 section B applies..
The t&cs joe posted are regular contract t&cs not o2 refresh
#36
Glad that's been cleared up.
#37
whatyadoinsucka
Bang on, that 1.3 section c has messed up joe's plans , in theory he never took out a CCA. So the small print messes it up, sign the CCA agreement and then 1.3 section B applies..
The t&cs joe posted are regular contract t&cs not o2 refresh

Thou art a feckin' legend.
Honestly, thank you all so much for helping me with this- I'm genuinely a little overwhelmed that people took time out of their day to help and discuss; trial and error.
This has been driving me nuts for weeks now as my current phone has slowly died and I got scammed trying to buy a cheap one- currently my battery lasts for about an hour on low usage, only right speakers work on headphones through it and calls can only be made on speakerphone, but not too loud otherwise the speaker cuts out and I have to whack it against a wall for the sound to come back, which is simultaneously irritating, yet quite satisfying.

Really, y'all have genuinely made my day, which probably means I need more going on, but nevertheless. Merry Christmas and thank you! :D

Edited By: Clunton on Dec 27, 2016 13:01
#39
whatyadoinsucka
Joe you shouldn't have paid upfront, 30 day notice on airtime otherwise
1.3 O2 Refresh

Possibly but I suspect O2 would still have taken a DD payment and my point was just to cancel the DD asap to avoid needing to reclaim any money.

O2 confirmed there was no issue cancelling the airtime without penalty despite paying in full for the device. It has just credited the erroneous early termination charge plus applied a £10 good will credit so there is nothing to pay. In fact I think the account is now is credit lol !

So all good plus a decent saving on the phone.
#40
joeluken
whatyadoinsucka
Joe you shouldn't have paid upfront, 30 day notice on airtime otherwise
1.3 O2 Refresh
Possibly but I suspect O2 would still have taken a DD payment and my point was just to cancel the DD asap to avoid needing to reclaim any money.
O2 confirmed there was no issue cancelling the airtime without penalty despite paying in full for the device. It has just credited the erroneous early termination charge plus applied a £10 good will credit so there is nothing to pay. In fact I think the account is now is credit lol !
So all good plus a decent saving on the phone.
It's tucked away in the t&cs which no one reads at the time, glad they honoured the cancellation, but definitely agree with you cancel the direct debit as Far easier not to pay than to try and recoup your money or face bank charges

Clunton no problem I've been scanning the site the last few days for bargains, but not seen anything, always the same when I have some spare cash , always bargains when I'm skint

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