cancel
Showing results for 
Search instead for 
Did you mean: 

Incorrect Default on my credit report

RichRoberts44
Level 1: Joiner
  • 2 Posts
  • 1 Topics
  • 0 Solutions
Registered:

Please help me with an urgent issue. O2 has incorrectly added a default to my credit report that has been present for the last 11 months! I have only just discovered this and it is totally unacceptable.

 

I ordered a phone and contract through a 3rd party website (mobilephonesdirect). Despite searching on the network coverage before placing my order (which said I would get good coverage) when I received the handset my signal at work was poor. So I requested a return within 14 days as was my right.

 

Despite being in the cooling off period I was sent a bill for £527.58. I believe this was down to a delay from MPD in notifying you the phone had been returned (it was returned on 18/05).

 

After hours of phone calls finally I thought it was resolved and the O2 representative confirmed over the phone and via email that I would not be charged and to cancel my direct debit and ignore any further communications regarding this matter, which I did.

 

However, what seems to have happened is your collection departments has deemed this to be a default and as such placed a default on my credit score incorrectly. This needs to be amended immediately as it is impacting my ability to get credit severely. I also did not receive any notices of any impending defaults, nothing via email or post only the attached email stating it was overdue.

 

I phoned up over a week ago to resolve this and was told it would be escalated and removed but it's still not been removed from my report 

 

 

Message 1 of 4
867 Views
1 ACCEPTED SOLUTION

Accepted Solutions

MI5
Level 94: Supreme
  • 145098 Posts
  • 635 Topics
  • 27832 Solutions
Registered:

@RichRoberts44 

You need to contact the CFR team.

The email address is creditfilereferrals@telefonica.com
Or you can write or fax them:
Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE
Fax 0113 2025865

I have no affiliation whatsoever with O2 or any subsidiary companies. Comments posted are entirely of my own opinion. This is not Customer Service so we are unable to help with account specific issues.

Currently using:
Pixel 7a (O2 & Lyca), One Plus 6 (Sfr), iPhone 12 Pro Max (Vodafone)
>>>>>>>>>>>>>>>>

View solution in original post

Message 2 of 4
860 Views
3 REPLIES 3

MI5
Level 94: Supreme
  • 145098 Posts
  • 635 Topics
  • 27832 Solutions
Registered:

@RichRoberts44 

You need to contact the CFR team.

The email address is creditfilereferrals@telefonica.com
Or you can write or fax them:
Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE
Fax 0113 2025865

I have no affiliation whatsoever with O2 or any subsidiary companies. Comments posted are entirely of my own opinion. This is not Customer Service so we are unable to help with account specific issues.

Currently using:
Pixel 7a (O2 & Lyca), One Plus 6 (Sfr), iPhone 12 Pro Max (Vodafone)
>>>>>>>>>>>>>>>>
Message 2 of 4
861 Views

RichRoberts44
Level 1: Joiner
  • 2 Posts
  • 1 Topics
  • 0 Solutions
Registered:

Any ideas how long this will take to be removed? I've had 11 months of poor credit as a result of this and only noticed as I got a free experian trial. 

Message 3 of 4
840 Views

Bambino
Level 84: Resplendent
  • 23229 Posts
  • 1030 Topics
  • 3694 Solutions
Registered:

@RichRoberts44 From past posts of customers having to deal with similar issues we have seen that the credit team are not particularly quick to respond.

I DO NOT WORK FOR O2



Funniest-Thread-2
Message 4 of 4
835 Views