Default In Error by o2

[Anonymous]

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. 

[Cleoriff]

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

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

[MI5]

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

[Anonymous]

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

[Anonymous]

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.

[MI5]

Worrying isn't it !

[jonsie]

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.

[gindygoo]

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.

[Toby]

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.

[Anonymous]

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