topic Re: Default In Error by o2 in Discussions & Feedback

Default In Error by o2

Anonymous — Thu, 27 Aug 2015 09:52:11 GMT

So I took out a contact in may this year for a galaxy s6, I didn't get on with the handset and returned it 5 Days later.

They then disconnected my line and my balance was left at £0.

I wanted to take out a loan for a new house developments and got declined, I believed had a flawless credit history.

I got an experian credit report to find that o2 have defaulted my account since may till current.

I am very disappointed to find that this has been done without my knowing, after not even being with them a week.

Also when I originally got the contract and wished to get a refund on the amount paid for the handset, after being told 3days, 5 Days, 7 Days, Next Bill, it took 2 months to get the money back. And each call i was told something different.....

I will be calling o2 today to see what they have to say!

I have read that this is not the only instance that this has happened on peoples credit reports.

Keep a watchful eye of this bunch.

Re: Default In Error by o2

Cleoriff — Thu, 27 Aug 2015 09:57:53 GMT

Thats awful @Anonymous....a major error and none of it your fault. I would complain

http://www.o2.co.uk/how-to-complain

Re: Default In Error by o2

MI5 — Thu, 27 Aug 2015 10:00:17 GMT

Sadly all too common as you say.
Hope you get it sorted.

Re: Default In Error by o2

Anonymous — Thu, 27 Aug 2015 10:00:18 GMT

Thanks, I think its terrible. I know that this is probably now going to take months to rectify....

Re: Default In Error by o2

Anonymous — Thu, 27 Aug 2015 10:31:35 GMT

Right I have spoken to o2.

From what they have advised that when taking out a Refresh phone there are two account numbers associated one for o2 airtime and the other for finance agreement.

They closed one account but failed to close the second.

Another thing that shows how useless they are is that apparently they attempted to refunded me 7 times.

4 times via BACS

2 times via Credit Card

1 time via bank.

I advised them and confirmed that only the deposit in full was refunded and no other refunds had since been processed.

They then had my account as showing in a balance of -£25.80 for no reason.

They have now cleared this amount from the account and have advised to get the equalifax and experian credit profile updated i will have to contact the following email Creditfilereferrals@o2.com.

It can take upto 6 months for it to be removed and on average no longer than 3 months.

So in the end they have left me in a poor situation due to their error's, It goes to show if I had never applied to this loan and checked my credit report this could have been on their years without knowing.

Re: Default In Error by o2

MI5 — Thu, 27 Aug 2015 11:03:15 GMT

Worrying isn't it !

Re: Default In Error by o2

jonsie — Thu, 27 Aug 2015 11:04:41 GMT

Another complete mess made of someones credit file through sheer incompetence and no fault on the part of the customer. Yes it can take months to sort out thanks to irresponsible actions by uncaring staff.

In the meantime put a note of correction on your credit file explaining that there is no default and an explanation.

Re: Default In Error by o2

gindygoo — Thu, 27 Aug 2015 14:05:54 GMT

Again, trashing some poor persons credit file for no reason at all?

If this was me, I'd be seeking damages (if that's possible) of some sort. It's unacceptable and IMO is happening way too often.

Please make an official complaint as unless folk make a noise about this sort of thing happening, it'll just continue relentlessly.

Sorry that this happened to u, hope it's all corrected asap.

Re: Default In Error by o2

Toby — Thu, 27 Aug 2015 14:30:06 GMT

Hi @Anonymous,

Sorry to hear that this has happened. I'm Toby, the community manager.

Let us know how you get on when emailing the referrals team. If you run into trouble, send me a private message and I shall do what I can do help the process along.

Re: Default In Error by o2

Anonymous — Thu, 27 Aug 2015 14:44:00 GMT

Thank you all, I have now submitted the email.

Lets hope they can get somthing wright this time.

If it takes many more months to action it, by then my credit report will be devistated.

Fingers crossed.

Regards Thomas

Re: Default In Error by o2

jonsie — Thu, 27 Aug 2015 14:48:40 GMT

Good luck @Anonymous, I really hope they sort this out quickly. Maybe google ceo o2 ad drop him an email ...