topic Re: Urgent help required. O2 Credit Default - Applying for Mortgage in Pay Monthly

Urgent help required. O2 Credit Default - Applying for Mortgage

totom — Thu, 18 Apr 2024 17:29:22 GMT

Hi everyone,

I know this is a common topic out there, reaching out to see if anyone can help here as i'm desperate to resolve this. Its causing me and my family huge amounts of stress right now!

I recently became aware of an O2 account associated with Virgin Media (my broadband provider), which came as a surprise to me. It appears that this account was established as a package add-on during the merger between the two companies. However, I never initiated this request, nor did I receive a SIM card or any confirmation regarding the activation of this account. This situation has resulted in a credit default on my credit file, which as you can imagine is significantly impacting my financial standing as I am currently in the process of securing a mortgage.

After many hours on the phone I've managed to have the account credited from the £88 i apparently owed down to £0, and the account is now cancelled.

I'm now in the processing of contacting all the avenues (credit file referrals / amendments) to no reply as i try to get written confirmation that the credit default will be removed. I keep trying to call customer services but end up going in circles!!

Time isn't on my side right now, if anyone here is able to help that would be much appreciated.

Many thanks

Re: Urgent help required. O2 Credit Default - Applying for Mortgage

MI5 — Thu, 18 Apr 2024 17:41:05 GMT

@totom

No one can do anything apart from the amendments team, so keep pushing them for help.

The email address is creditfilereferrals@telefonica.com

Or you can write or fax them:

Credit File Referrals Team

Suite P

Arlington Business Centre

Leeds

LS11 0NE

Fax 0113 2025865

Re: Urgent help required. O2 Credit Default - Applying for Mortgage

HanMay20 — Wed, 29 May 2024 17:33:24 GMT

Hi @totom

I am in a very similar situation to you! did you manage to get it sorted at all? and if so, how?!

Any help you have would be greatly appreciate - I am desperate!

Thank you

Re: Urgent help required. O2 Credit Default - Applying for Mortgage

Oxonian — Thu, 30 May 2024 19:16:03 GMT

@HanMay20

I don't think there is anything that can be added to @MI5's post above ! 👍