Have you overpaid for your mobile contract? Millions may be owed compensation

Did you ever take out a mobile contract with EE, O2, Vodafone or Three that bundled the cost of your phone with your minutes, texts and data? If so, you could be owed compensation. 

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Quick & simple

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Know your rights

Overview

For years, UK mobile customers have taken out bundled contracts that combine the cost of the handset with airtime services. These deals usually run for 24 months, after which the handset should be fully paid off.

But according to a major collective legal action, the UK’s four biggest networks — EE, O2, Vodafone and Three — continued charging many customers the full bundled price, even after the minimum term ended. 

This means millions of loyal customers may have overpaid by hundreds, and in some cases thousands, of pounds per contract. A new lawsuit is seeking compensation for everyone affected. Based on the claim documents, individual compensation could be worth over £1,000 per contract, depending on your network.  

All four operators deny the allegations. A Tribunal will ultimately decide whether the claims can proceed to full trial. 

Could you be owed compensation if the case wins? Find out if you meet the criteria for this group claim. It only takes a few minutes. 

EE, O2, Vodafone & Three claim – at a glance  

Status

Claim pending

UK individuals affected

Around 28.2 million

Total compensation

£3 billion (estimate)

What do we know about the EE, O2, Vodafone & Three claim?  

  • When your contract ends, the handset is paid for. Your bill should drop to a cheaper SIM-only price.
  • The allegation is that networks didn’t do this, and instead kept customers on bundled rates, quietly charging them more than necessary. 
  • Consumer groups have described it as a “loyalty penalty”, meaning you pay a higher price simply for staying put. 

Have you overpaid for your mobile contract?

Were you charged a “loyalty penalty” after your phone was already paid off? The following phone operators are facing legal action:

EE 

O2

THREE

VODAFONE

How it works

Check eligibility

Answer a few simple questions to see if you could be included as part of the group claim.

Register for updates

Join the Claim will keep you up to date with any news or further information about the claim.

Visit the official claim site

We will share details of the official claim website, so you can formally register your details.

Latest updates on the mobile phone overcharging lawsuit

  • November 2025

    The Competition Appeal Tribunal decides the loyalty penalty claims can proceed. Claims before 1 October 2015 are excluded due to limitation rules. 

  • December 2023

    Consumer advocate Justin Gutmann files collective legal actions against EE, Vodafone, O2 and Three.

  • 2018–2019

    Ofcom publishes findings showing consumers were overpaying by around £330m a year.

  • September 2018

    Citizens Advice issues a super-complaint about loyalty penalties across the mobile sector, highlighting that millions of customers are paying more than they need to.

We’ll provide more updates on this claim as they occur.

Join the claim
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Could EE, O2, Three or Vodafone owe you money?

Find out if you meet the criteria for this group claim and potentially get a share of any compensation. It only takes a few minutes.

FAQs about the mobile phone overcharging claim

Contracts where the handset and airtime were bundled together — typically 24-month deals where the phone cost was spread across monthly payments.

No. Past customers may be eligible.

 

This is an opt-out claim. This means, if you are eligible, you are automatically included in the group action, and could be due compensation. However, you’ll usually need to register your details on the official claim site to receive any money you’re owed. In other words, even though you’re automatically included unless you opt out, you may not get your compensation unless you register on the official claim site.

The Competition Appeal Tribunal needs to complete several legal stages before compensation becomes available (and the case may not succeed). This process takes time, but staying informed means you won’t miss key updates.

No. All four operators deny the allegations. A Tribunal will ultimately decide whether the claims can proceed to full trial.

A group action claim allows people affected by the same issue to take action together. This strength in numbers helps stand up to big organisations.

No. Join the Claim is not a law firm. We explain what the ruling means, help you understand eligibility and signpost you to the official site.

Opt-out claims work differently from other types of legal action. If you are eligible, you are automatically included in the case unless you choose to opt out. There are no costs to be included in an opt-out claim. If the claim succeeds, any deductions would be explained by the law firm responsible for distributing compensation.

Rated Excellent


on REVIEWS.io

Rated Excellent on REVIEWS.io

Join the claim
Clifford
Very easy to sign up, hope its sorted soon
Susan
Very easy and quick to complete the claim Everything was explained well and fees payable in etc were made very clear
Peter
So easy to sign up for the claim

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