Default error removal

[maccaparker94]

Hi! Can you please inform me what you do to resolve this? I have had a default put on my account for £9 from O2 for a bill after my contract expired from back in Feb 2022. I haven’t known about it for 3 years until I have just received a credit check with a default on there 2 days ago! I have emailed the amendments email and I spoke to someone in customer service who has issued a default removal request her end with amendment. According to the Consumer Credit Act 1974, a default notice should have been issued before any default can be added to your credit check and you should be given 14 days to make payment. I was never issued this. It also states you should not recieve a default for missing just 1 payment. What else can I do, email the complaints team as I will be going to an ombudsman? I have a 23 week pregnant wife too causing lots of stress to! Please help guys! 
I spoke to someone in the payments team and they admitted my balance is £0 so it must be an error on O2’s behalf to add a default to my credit file. 

[pgn]

This is a customer forum, @maccaparker94 - not O2 - so you are going to have to go back to O2 to get this addressed Guide: How to find help & contact O2 has all the ways to reach them.

Also: e-mail address for O2 Credir File Referrals, as you may already know, is creditfilereferrals@telefonica.com or amendmentteam@o2.com 

Or you can write to them or fax them::-

Credit File Referrals Team

Suite P

Arlington Business Centre

Leeds

LS11 0NE

Fax 0113 2025865

Meantime, reach out to one or two of the CRAs to put a flag on the transaction, that way anyone referencing it for any reason will either ignore it or will have to refer to O2 to get detail on the issue:

https://www.capitalone.com/learn-grow/money-management/three-credit-bureaus/

Good luck!

[maccaparker94]

@pgn thanks, I am on these! 

[pgn]

I see you have received an answer on one of your other queries here - good luck, @maccaparker94!

[maccaparker94]

@pgn 

great news. I have received an email from the amendments team at O2 saying it is an error and the default will be removed from my credit file. It will show as no late payments or missed payments and no default will be shown from O2! 

takes 48 hours to update on my credit file apparently! 

[pgn]

Brilliant news, @maccaparker94 - hopefully your review of the 3 CRAs' record for you in 24 to 48hours should show all 3 to be clean! I am sure that will be a relief to you too.

[maccaparker94]

@pgn already off my credit file! Great news! 

[pgn]

Super news, @maccaparker94 - well done!