I had an iPad on contract a number of years ago. It was a refresh plan and was my second iPad on the plan. All worked fine and I liked the arrangement. I had a very small inheritance and decided to repay the balance remaining on my iPad's plan. I also cancelled the data contract element of the plan as I simply wasn't using the device outside of my house. This was all done by phone.
Around that time I also moved from Kent to Surrey.
I have recently taken a new job, I work in financial services. As part of taking the job you have to have a credit check to demonstrate solvency etc. In doing this check I learned that I had a default on my record from O2 dating back to 2019 (around the time I repaid the contract) for £30. I have investigated the record and found that the balance went from being consistently at £0 as I always paid, to £12 in March 2019, then £27 in the April and £30 in the May. The default shows from July.
I knew nothing of this, as I cancelled the contract and was effectively told it would all be taken care of. I did nothing to my Direct Debit, so any extra bills could have been taken and I received no notification of monies owed, although it's possible that something was sent to me after I moved, which was not sent on.
My payment record clearly shows that I was a good customer, I cancelled my arrangement under the terms of my contract. But now I have a significant black stain on my credit record over an extremely small sum of money.
I would have been happy to pay anything I owed then and would be willing to do so now. However, it's clear that a default is not a fair outcome and would only pay on the pre-condition that the default be removed from my credit record.
I have attempted to contact O2, spoke to the debt recovery team via email at first, who gave me the email address of the relvent team (credit file referrals). However, despite an automated reply promising that they would respond, usually within 3 working days, I have had nothing back from my emails of 31st March and 10th May. I feel like I am banging my head against a wall and frankly, this is harming my career prospects over £12 unpaid/a £30 'default'.
Is there anyone at all who can help? I feel totally desperate.
