Hi Joe,

Thank you very much for your indepth reply.  I will try everything that you have suggested.  I do have one query though and that is with regards to the defualt notice itself.  I wrote to O2 a few weeks ago using one of the templates asking them to remove the default as i had never received the original notice.  They replied a few days ago say "As O2 do not offer differed payment terms this aspect of the Consumer Credit Act 1974 does not apply."

Basically as i understand being a telecommunications company they are offering a service in return for payment and therefore are not ruled by the Consumer Credit Act 1974. 

Does this still mean that they have to send you a default notice? or are there exemptions as they are not ruled by the Consumer Credit Act?

 It's all so confusing and not knowing my right's makes it even harder.

 Thank you again for your advice, i will let you know how i get on.

Laura