Having opened an account for the samsung watch I had bought it turned out that the watch did not function as O2 had said it would. I therefore cancelled the account within the cooling off period, along with my direct debit. Months later I discovered that O2 were saying I had accumulated a debt. They sent no letters or notification of any type to me, however my credit rating was ruined as a result. They are required to inform anyone before doing this. I phoned them and they admitted the mistake, that there should never have been a debt & said they would rectify it. 3 months later they have failed to do this - I call them repeatedly, they say they will put it right and then ignore it. This has happened on three separate occasions now. They promise manager call backs but never do & I am still unable to mend my credit rating. Their behavior is disgusting & they simply don't care.