topic Re: Incorrect Default in Discussions & Feedback

Incorrect Default

CP888 — Sat, 07 Jun 2025 16:21:15 GMT

I recently applied for a mortgage that was declined due to a default on my credit report from O2 dated October 2023 that lasted till I paid off the amount owed after receiving a letter from Lowell’s.

I've now looked into this and am sure the default was a mistake because I’ve been with O2 for over 5 years and have always paid by Direct Debit, I’ve checked my account and can see that the DD has left on time every month. Not only that, but the last time I updated my contract prior to the default was November 2021 when I upgraded my phone on a 36 month contract, and have an O2 bill confirming I’d made all payments when the contract ended in September 2024 when I again upgraded my

phone.

I’ve emailed the credit referral team with evidence on my bank statements (going back to Nov 21) showing the DD leaving my account but wondered in the meantime if anyone else has had a similar situation? Reading other posts about defaults it seems a lot of people had trouble when they left O2 whereas I’m still a customer!

Re: Incorrect Default

pgn — Sat, 07 Jun 2025 16:50:11 GMT

Contact one or all CRAs — Equifax, TransUnion and Experian and put a flag on the notice, saying it is in dispute with O2 - the lender will be obliged to overlook or request info from O2 directly, @CP888.

https://ico.org.uk/for-the-public/credit/

Re: Incorrect Default

Oxonian — Sat, 07 Jun 2025 17:09:22 GMT

In addition @CP888, within O2 the Credit File Referral (CFR) team is who you need to speak to.

The email address is creditfilereferrals@telefonica.com or amendmentteam@o2.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

pgn — Sat, 07 Jun 2025 17:15:41 GMT

Already done, @Oxonian 👍🏼

Re: Incorrect Default

CP888 — Sat, 07 Jun 2025 17:21:52 GMT

I’ll do that thank you!

Re: Incorrect Default

Oxonian — Sun, 08 Jun 2025 14:30:27 GMT

@pgn wrote:
Already done, @Oxonian 👍🏼

Yes, my apologies @pgn ! 👍