Problem with Lowell debt collection

[flynn88]

A few years ago I had an issue with an O2 contract, cancelling the contract over the phone I was told I would have no other payments to be made and clerified with them before ending the call. Behold a few months, after I am receiving a charge of £40, money I could have paid instantly but refused to for the only reason being I was immature and didn't want to pay after cancelling when they told me I wouldn't have to pay anything else.

 

The debt was passed on to lowell and for roughly 8 months they continued to send me absurd mail, at times even offering me the option of halving the debt after claims of turning up at my house. I knew this was a load of nonsense but it adventually paid off as I got so bored of receiving mail from them I just paid the full 40 to end frustration.

 

A resulting cost is my credit rating has suffered drastically resulting to a silly £40 as I have an account now listed as defaulted? I am awful at sorting stuff like this and just want to know what I can do to sort this issue.

 

Ideally I could have paid the £40 straight away as it is such a small amount and not worth years of bad credit, but it was principal I refused to part with the money..

[BRIGADIER2JCS]

Hi welcome to CAG,

You have excellent grounds for a formal complaint to O2, no doubt this has been reported on credit files as a default which is unfair given that you were told the account was clear.

Please check your credit files.

[flynn88]

I have checked my credit rating online and is down under a default indeed, says I have paid but still says it could effect me up to six years, I should contact O2 as opposed to lowell?

[ims21]

Thread moved to Debt Collection forum

[dx100uk]

yes complain to o2

 

dx

[BRIGADIER2JCS]

I have checked my credit rating online and is down under a default indeed, says I have paid but still says it could effect me up to six years, I should contact O2 as opposed to lowell?

 

Yes complaint addressed to the Data Controller at O2 reardind being assured the account was cleared and no further charges were payable, send any docs you have to support this, copy this to the Compliance Manager at Lowell

 

You can place a notice of dispute on the credit file entry as well.