O2 credit default needs to be taken off urgently

[KA2308]

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

[KA2308]

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 

[MI5]

@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.

[KA2308]

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!

[Cleoriff]

Really pleased to hear it @KA2308.

As you say, being persistent is the key

[MI5]

@KA2308 

Pleased you got this resolved at last

[StayGolden]

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.

[Oxonian]

@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.