@o2 O2 and default registered on credit file

[pappydu]

In February 2012 I rang O2 to close my account as I had a business phone and no longer required two mobile phones.

 

I was paying my bills manually and there were no outstanding bills on that date that I called to cancel my contract.

 

I was not informed of any final bills during this phone call and none were sent to me at my home address.

 

In Sept 2012 I received a letter from Westcot debt collection regarding an outstanding amount owed to O2 of just under £47. I rang O2 to confirm this was true and subsequently paid the amount.

 

In February 2013 I checked my credit file to notice a default had been registered on my account in August 2012.

 

I have had several conversations over the last year with the credit referral team and customer services but have found them thoroughly un-helpful.

 

Why I was not written to between Feb and Aug 2012 to notify of the debt and intention to record a default is beyond me as I would have paid upon notification. Apparently everything was posted to my O2 online account which as I was no longer an O2 customer I had no need to log into.

 

I had been a customer for almost 10 years without a problem and my wife is still a customer but am seriously considering moving her to another company as this default is affecting our ability to obtain credit.

 

I am sending an SAR to fully review the particulars of this situation.

 

Any help would much appreciated.

[dx100uk]

hi welcome to CAG

 

sadly we see a lot of this

 

whereby a 'gadget' debt

fouls up someone future

 

it is really unfair

 

mobile phone companies should not have this kinf of powers available to them.

 

we have seen worth

in writing a polite letter to the CEO of o2

requesting it s removal as its preventing a mortgage

 

we have also heard that many of the mortgage companies now

don't mind a mobile default.

 

dx

[2Grumpy]

The SAR would show any bills that were sent out. Phone companies do seem to send their final bills to a DCA instead of in the post! Perhaps it's revenge for leaving them