"default" - on credit file

[Amit_R]

hello all,

good evening and hope you are all well.

I took out an O2 SIM only contract in Jan 2020. I cancelled the contract 3 days later, as I changed my mind. I never used the O2 sim, and the O2 customer services team assured that the account has been closed with no payments to be made.

The first direct debit went thru in early Feb 2020. I called customer services to issue me a refund. The O2 team refunded me the amount. It all seemed OK and all was well with me and O2 until today.

Today afternoon I got a phone call from my financial advisor who is processing my application for the remortgage of my house. He said I have a bad (Poor) credit rating - 649 out of 999. He said it has dropped down from 965 in January 2020 to 649 in April 2020 due to O2 placing a default note on my account. I checked my credit file and found he was right.

My advisor has warned me that the agreement in principle I have for my remortage will not be converted to an offer (or the funds won't be issued) as banks are running checks on credit files until the remortgage is compeleted. I now have a potential remortgage application rejection (or worst remortage falling thru) at the last minute.

I have called customer services at O2 again today and they have assured me that there was nothing to pay on my account and have shared the credit file referrals team email address with me. I have written to the credit file referrals team and explained my situation. But I am not sure if the error can be rectified in time for my remortgage to process smoothly. I have only 4 weeks for completion and I really need a written confirmation from O2 that there are no issues with my account and the credit file has to be updated to show the correct credit rating.

Has anyone been in the same situation before and can anyone help me please?

Any of the O2 gurus or the admins - @Martin-O2  - can you please guide me.

regards,

Amit.

[MI5]

@Amit_R 

@Martin-O2 

Just letting you know this probably won't be picked up until Monday.

[Cleoriff]

@Amit_R 

@Martin-O2will have to help you with this. However, he won't be here over the weekend. Monday at the earliest I'm afraid.

[Amit_R]

thanks @MI5 and @Cleoriff .. 

have a nice weekend..

[MI5]

You're welcome and best of luck.

[Cleoriff]

No problem @Amit_R 

Hope it all gets sorted for you soon.

[Amit_R]

hello all and @Martin-O2 ,

hope you are doing well. It has been 5 days and I haven't heard anything from the credit file referrals team..

Is there another way to raise this issue with O2?

thanks,

Amit.

[gmarkj]

Only by calling in again and chasing them up, but not sure that would speed them up

[Amit_R]

hello all,

got a email from the amendment team today saying they are going to update the file and remove the default from my account.

thanks for the support and guidance..

@Cleoriff @MI5 @Martin-O2 

best regards,

Amit.

[MI5]

Good news 👍