Credit file default issue - Contract cancelled within 14 day cooling off period - Looking for advice

CCFC1927 — Sat, 29 Jul 2023 20:18:09 GMT

Hello everyone

I have joined to try and talk to any experts about trying to get a default removed from wifes credit file. She bought a phone via a 3rd party and returned it within the 14 day cooling off period. This was in 2020. We are now having issues with a remortgage hence trying to resolve urgently.

After the unopened handset was promptly returned to the 3rd party supplier, they advised nothing else for us to do. We were expecting the 1st bill of £57 to be credited in full. Instead, O2 took the amount by Direct Debit and this was later refunded to her, by her bank via the DD Guarantee. O2 showed her account as settled with 2 credit agencies... but later flagged a default with a 3rd credit agency and this default still showing. We believe the initial bill should have been credited in full and account show as settled.

We have the details of the CFR team. I want to understand if they are helpful or do we need to consider legal advice. If using the CFR route, any tips.

She was within the 14 day cooling off period, yet O2's poor process is costing us very very dearly when trying to remortgage.

Advice very welcome.

Thank you

Re: Credit file default issue - Contract cancelled within 14 day cooling off period - Looking for ad

MI5 — Sat, 29 Jul 2023 20:27:45 GMT

@CCFC1927

I'd give the CFR team a chance to correct it first, however, they aren't known to respond very quickly.

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

topic Credit file default issue - Contract cancelled within 14 day cooling off period - Looking for advice in Discussions & Feedback

Credit file default issue - Contract cancelled within 14 day cooling off period - Looking for advice

Re: Credit file default issue - Contract cancelled within 14 day cooling off period - Looking for ad