topic Re: o2 credit default! URGENT help needed! in My O2

O2 credit default needs to be taken off urgently

KA2308 — Thu, 10 Jun 2021 12:15:47 GMT

Hi guys, I urgently need a default taken off my account from 3 years ago. I’m no longer with o2 and have a perfect payment record. However there was a last payment that o2 didn’t make me aware of. They accepted liability and credited my account however a couple of years on I have recently been looking at getting credit and a mortgage. I desperately need this credit however I’ve been denied this because of this default. It’s stressing me out and I can’t get anywhere as because of this - I’ve emailed them a week ago and no response. Experian also contacted the credit referral team 2 weeks ago for permission to remove the default. However they’ve not heard anything. Can anybody advise?? I’m seriously so stressed especially as the default shouldn’t be there and over this I can’t get anything

Re: O2 credit default needs to be taken off urgently

MI5 — Thu, 10 Jun 2021 12:21:36 GMT

@KA2308

The CFR team are the only ones who can remove defaults and they can only be emailed on creditfilereferrals@telefonica.com or written to:

Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE
Fax 0113 2025865

Re: O2 credit default needs to be taken off urgently

KA2308 — Fri, 11 Jun 2021 12:27:50 GMT

I’ve tried this email. Emailed three times with no reply. I really don’t know what to do. As when I call everyone just directs me to this team who don’t seem to be replying to any emails. It’s just an added stress I don’t need 😓

o2 credit default! URGENT help needed!

KA2308 — Mon, 14 Jun 2021 21:13:15 GMT

Hi guys, I posted a week ago about a default on my account from 3 years ago. At the time, o2 accepted that the default shouldn't be there and they credited my account (but left a default on my file) - however, 3 years on I have disputed this to remove from my file they have just updated experian and said that they will not be removing it. I only became aware of this all last year as this happened when I was very young, foolish and knew nothing about how things can impact credit scores. I don't know what to do now as I cannot get credit which I really need at the moment. It's really stressing me out as I'm very good with my money but due to this misunderstanding I am not favourable in the eyes of a lender. I've emailed the credit team again to dispute this. I've emailed them 4 times in the space of 2 weeks (they must be sick of me). I didn't get any response from my previous emails. At the time this misunderstanding occured 3 years ago- the advisor told me it may affect my report and to get it removed. I have also spoke to the finance team who urged me to speak to this department as they saw it shouldn't be on my file. Is there anyone who can help me on here? I am so stressed - I work for the NHS and all I desperately need is vehicle finance but it seems so unlikely I don't know what to do. This will also affect my chances of a mortgage so I need help with removing it as soon as possible 😞

Also, before anyone tells me to email the credit file tea...

KA2308 — Mon, 14 Jun 2021 21:17:38 GMT

Also, before anyone tells me to email the credit file team. I have emailed them but no response on this email:

creditfilereferrals@o2.com

Re: o2 credit default! URGENT help needed!

MI5 — Mon, 14 Jun 2021 21:18:09 GMT

@KA2308

The only thing you can do is add a notice of dispute to your credit file yourself.

https://www.checkmyfile.com/articles/how-to-change-wrong-information-on-your-credit-report.htm#:~:text=A%20Notice%20of%20Dispute%20forces,know%20that%20it's%20under%20dispute.

Re: o2 credit default! URGENT help needed!

KA2308 — Mon, 14 Jun 2021 21:23:29 GMT

But will this help me in getting credit? It all seems so unfair. I wouldn't go to such lengths to dispute it if it was correct and didn't urgently need credit

Re: o2 credit default! URGENT help needed!

MI5 — Mon, 14 Jun 2021 21:25:07 GMT

@KA2308

No guarantees, but as I told you on your other thread, only the CFR team can remove it and if they are refusing, they must think it's justified to some extent.

Re: o2 credit default! URGENT help needed!

MI5 — Mon, 14 Jun 2021 21:26:29 GMT

The new email address is also creditfilereferrals@telefonica.com although probably still goes to the same place as the old one does.

Re: o2 credit default! URGENT help needed!

KA2308 — Mon, 14 Jun 2021 21:29:58 GMT

O2 themselves told me that it shouldn't be there and that the credit team could remove it for me. The team haven't told me the reason for not removing it. You don't understand how stressed I am. I can't even get a basic credit card for an apparent £30 default. After having a perfect payment record 😞

Re: o2 credit default! URGENT help needed!

KA2308 — Mon, 14 Jun 2021 21:31:36 GMT

Thank you I will email them on this address. Although, I did get an automated response from the other email but not an actual reply

Re: o2 credit default! URGENT help needed!

MI5 — Mon, 14 Jun 2021 21:42:02 GMT

@KA2308

If you place the notice of dispute this then requires the credit agency to verify the default with the lender.

If the lender cannot prove it with verifiable evidence, the agency will remove the default anyway.

I do understand how stressful this can be, but there is nothing else we can do here for you unfortunately, sorry.

Re: O2 credit default needs to be taken off urgently

KA2308 — Wed, 07 Jul 2021 11:07:23 GMT

An update : as of 2/7/21 o2 officially removed my default. I complained and the lady dealing with my complaint concluded that the default never should have been there. The credit files team then removed it and my credit score instantly went back up to excellent. Persistence and patience is definitely key!

Re: O2 credit default needs to be taken off urgently

Cleoriff — Wed, 07 Jul 2021 12:21:54 GMT

Really pleased to hear it @KA2308.

As you say, being persistent is the key

Re: O2 credit default needs to be taken off urgently

MI5 — Wed, 07 Jul 2021 12:38:19 GMT

@KA2308

Pleased you got this resolved at last

Re: O2 credit default needs to be taken off urgently

StayGolden — Fri, 02 Feb 2024 10:24:06 GMT

Hi,

Where did you manage to complain? I am in a similar situation and have emailed the provided email address 3x and have yet to hear back.

Re: O2 credit default needs to be taken off urgently

Oxonian — Fri, 02 Feb 2024 20:24:12 GMT

@StayGolden

If you are addressing that question to @KA2308, you need to tag him in thus. However, please bear in mind that this thread is now two and a half years old, so your chances of getting a reply might be slim.

Could I suggest that you start a new conversation, articulate your problem clearly and succinctly and ask for advice ? The guidance will then be particular to your issue.