topic Re: Incorrect default in Pay Monthly

Incorrect default

Milly1411 — Wed, 26 Nov 2025 21:57:10 GMT

I discovered in September that an incorrect default had been added to my account by o2 for August. This was due to them cancelling my contract in error so having to set up a payment plan standing order, which had been working fine until this point. I had it confirmed all payments had been received on time and in full so would be an internal error. I paid off the final balance of my device in September and put in a complaint to enable the amendment team to remove the default. The customer service team assured me that it had been passed to the amendment team and they would update me with progress. Nothing since that call. I’ve put another complaint in. Checked credit karma tonight and loan is still down as open and a default now for August, September and October. Any advice where to go from here?!

Re: Incorrect default

MI5 — Wed, 26 Nov 2025 22:19:21 GMT

@Milly1411

Contact the amendments team directly yourself.

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: Incorrect default

Milly1411 — Wed, 26 Nov 2025 22:23:11 GMT

Thank you for the reply! Is this o2s amendments team?

Re: Incorrect default

MI5 — Wed, 26 Nov 2025 22:25:19 GMT

@Milly1411

Yes it is.

You can also 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