Old legacy account - Dafault from 2019

[MickyMord]

Hi, I'm having a big issue trying to settle an account from 2019.

no-one at o2 seems to know how to settle the account. I've made 2 payments via bacs payment as suggested by 2 people to 2 different accounts both of which o2 are saying they cant locate, I put my account number as the ref as requested and still nothing.

I've also had 4 forms filled out in order for the back office team to do a manual payment but again this never seems to happen, everyone I speak to has no idea what to suggest and I've spoken to loads of different dept from customer services to managers in the payment management team.

I've also emailed credit files, amendment team and complaints, credit file referrals just say the account is outstanding and to contact payment management but when I do they simple dont know how to settle the account other than bacs of the file via back office which hasnt work at all. complaints dept wont reply to me and the amendment team say they cant amend anything as the account is right and is still outstanding.

Has anyone every had any luck in settling an old legacy account as I feel there is literally nothing I can do nor is there anything o2 can do and they just aint bothered to get the account settled.

[Cdge]

@TyrellMccann @MickT That’s such great news I’m so pleased for you both! I’ve raised a complaint and have been told it will be referred to the credit team for investigation. It’s not an error on my report as it seems to be on yours - rather a debt with no means to pay so I’m not holding out a huge amount of hope but we will see. They asked if I was happy to close my complaint on the basis of the “solution” offered and I said absolutely not until you’ve taken it off my file or allowed me to pay it! 

[Cdge]

Can I ask how long it took from submitting the complaint to receiving the email yesterday? 

[MickyMord]

@Cdge mine was a default but there's no way of settling as they've not got the system to pay it off. It's taken around 8 or 9 weeks I have been making calls for months though

[Cdge]

@MickyMord  can I ask if they asked you to send in a copy of your credit report please? Just had an email with this request 

[maccaparker94]

Hi! Can you please inform me what you did to resolve this? I’ve had similar issue recently. I have had a default put on my account for £9 from O2 for a bill after my contract expired! I haven’t know about it for 3 years until I have just received a credit check with a default on there! 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! 

[maccaparker94]

Hi @MickyMord @Cdge @TyrellMccann Can you please inform me what you did to resolve this? I’ve had similar issue recently. I have had a default put on my account for £9 from O2 for a bill after my contract expired! I haven’t know about it for 3 years until I have just received a credit check with a default on there! 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! 

[Enlli]

@MickyMord If you are asking @Cdge best to tag them as above

[maccaparker94]

Hi @TyrellMccann @Cdge @MickyMord 

Can you please inform me what you did to resolve this? I’ve had a similar issue recently. I have had a default put on my account for £9 from O2 for a bill after my contract expired! I haven’t known about it for 3 years until I have just received a credit check with a default on there! 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! 

[maccaparker94]

Hi @Cdge @MickyMord @TyrellMccann 

Can you please inform me what you did to resolve this? I’ve had similar issue recently. I have had a default put on my account for £9 from O2 for a bill after my contract expired! I haven’t know about it for 3 years until I have just received a credit check with a default on there! 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! 

[maccaparker94]

@Enlli Thanks for letting me know!