O2 ruining my credit report - please help

[Taylor]

I had a phone contract with o2. I paid my last bill then cancelled my direct debit. They then tried to take a cancellation fee out my account 3 times which I didn’t know about. They did not notify me that I owed this money (£12) then I got a letter from a debt collector through the door. I paid this immediately. I then went to go for a mortgage for my dream home and I’m not able to get one due to this ridiculous £12 that o2 never warned me about. I am furious. I have been on the phone to advisors time and time again and it just keeps going around in circles. Telling me to email which I have done with no response. the seller is not going to wait about for this to be fixed so I need it fixed now. I will not stand for this. Can someone please advise me as to what else I can do as this is stopping me getting a home for the sake of £12. Any help would be much appreciated. Thank you.

[MI5]

Good luck @Taylor

[EmilieT]

Good morning @Taylor, I'm sorry to hear you're having some trouble getting your dream home due to this - I'll send you a Private Message to get a few more details so we can have someone on our end look into this for you

Thanks everyone for the support and advice!

[Cleoriff]

Thanks @EmilieT

I'm sure @Taylor will be pleased at your offer of help.

[EmilieT]

Thanks for replying to me so quickly @Taylor, I've passed on everything now and will keep you updated on your query's progress as and when I hear back

@Cleoriff 

[Taylor]

@Cleoriff thank you for all your help.

[Cleoriff]

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@Taylor wrote:
@Cleoriffthank you for all your help.

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No problem at all. I hope it can be sorted @Taylor

[jonsie]

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@MI5 wrote:
Your argument needs to be that you weren't made aware of the debt and given a chance to pay it at the time as they will say the default was correctly applied as you did owe money.

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According to the OP O2 tried to take the direct debit 3 times after it was cancelled.

Knowing this at the time surely amounts to being aware of the debt?

[jonsie]

Having said that, O2 wouldn't try 3 times so I'm guessing this is what O2 have since claimed to justify the OP not being aware.

[Taylor]

Thought I would give an update - o2 have now settled the amount but it’s still showing on my credit file and my mortgage lender won’t accept this. O2 have no proved they are at fault so I’m back to square 1 again. Absolutely raging!

[gmarkj]

Can you help again @EmilieT?