topic Help Needed - Incorrect Default on My Credit File in Pay Monthly

Help Needed - Incorrect Default on My Credit File

Daniel8080 — Fri, 21 Mar 2025 17:29:12 GMT

Hi everyone,

I'm looking for advice regarding a frustrating situation with my O2 account and a default that has appeared on my credit file.

I originally received a letter from Lowell Financial claiming I owed money to O2. As far as I’m aware, the O2 account was not in use and should have been closed, yet I was continually billed. Later, I received another letter from Lowell stating that no further action was required, and I assumed the issue was resolved.

However, I then received yet another letter from Lowell asking for payment again. Assuming this was a mistake since I had already been told the debt was cleared, I didn’t pursue it further.

I've now discovered there’s a default recorded on my credit file, which I believe shouldn’t be there. I'm willing to pay the final bill if necessary, but I strongly believe the default should be removed as it seems to have been applied in error.

What’s the best way to get this resolved? Are there specific teams or contacts at O2 that I should reach out to for help?

Any advice would be greatly appreciated.

Kind Regards

Daniel

Re: Help Needed - Incorrect Default on My Credit File

MI5 — Fri, 21 Mar 2025 17:43:19 GMT

@Daniel8080

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

You need to add a notice of correction to your credit file.

This will put doubt into the validity of the default and the credit agencies will be forced to question O2 about it.

https://www.experian.co.uk/consumer/guides/notice-of-correction.html

Re: Help Needed - Incorrect Default on My Credit File

Daniel8080 — Fri, 21 Mar 2025 17:48:08 GMT

Thank you @MI5 I will email the team and see what can be done.