Cosign - Bad credit from a bad relationship

[Anonymous]

Hi There,

I'm not sure if anyone can help me with this but a while back in 2013 I was the cosigner for my ex-girlfriends phone contract. We broke up and she must have stopped paying as I was made responsible for this debt. The only trouble is I never received a letter from O2 or an email until the outstanding balance had been sent to a debt collector and they sent me a letter. This was the first time I had heard about it but I paid it off straight away.

Years later I am now trying to get a mortgage and this discrepancy is really affecting my credit rating. I am not disputing the bill, I cosigned the agreement so therefore I take responsibility. However the fact that I never received any correspondence from O2 is upsetting as had I known sooner I would have paid straight away and my credit rating would not be affected. 

Has anyone been through a similar situation and is this possible to fix? The difficult thing is that I never received any letters from O2 so I have no reference number for the account

[MI5 · Accepted solution]

No phone number I'm afraid as they are not customer facing.
Only details are these so try the email :
CreditFileReferrals@o2.com

Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE
Fax 0113 2025865

[Anonymous]

Okay great!

I'll try that now. Thanks so much for your help !

[MI5]

Good luck....