o2 has ruined my credit rating!!

Astec

Surely if they agreed to waive the fee they are agreeing that it wasn't your fault, ie you don't need to pay it? I'd escalate it within o2 until they remove it.

nomad79

Astec wrote: »

Surely if they agreed to waive the fee they are agreeing that it wasn't your fault, ie you don't need to pay it? I'd escalate it within o2 until they remove it.

yes, they agreed to waive the charges so there's nothing to pay - i need them to remove the adverse history from my credit report / score. i escilated it with o2 but they wont budge - they say that there's no proof that i didnt agree to the contract & that i agreed as there was a security question answered... dubius

iwanttosave_2

OP, did you receive a PAC?

macman

O2 do not control the contents of the credit file, it has to be done by Experian/Equifax.

Money_Grabber13579

You need to go to the ratings agency and tell them your problem. They will then investigate and should end up removing it.

nomad79

macman wrote: »

O2 do not control the contents of the credit file, it has to be done by Experian/Equifax.

This is incorrect - o2 tells the agencies what to put on the report on a monthly basis, it up to o2 to rectify the information they've passed to the agencies

mcmanlyn

nomad79 wrote: »

This is incorrect - o2 tells the agencies what to put on the report on a monthly basis, it up to o2 to rectify the information they've passed to the agencies

I can confirm this is true. I found an old default on my credit report from vodafone - I wrote to ask them what it was for. When they called back to explain, I paid the outstanding £18, and the lady said as a gesture of goodwill she'd remove the default, as she had access to the reporting system.

True to her word it's been done :beer: I'd try again with o2 to see if someone else will do it!

ifu05596

Hi,

O2 had me down for missed payments when I was 17 even though you need to be 18 to get a contract!? My dad did have a contract with them which was settled by direct debit so there wouldn;t be any missed payments anyway.

I posted and emailed O2 Insights my Equifax credit file with the errors highlighted. I also got Equifax to open an investigation into it and I'm not sure who sorted it in the end but it was removed from my file. I couldn't even get £100 overdraft when I was 18 and because I didn't realise the credit search process all the searches and refusals knocked more points of my score!

Hope this helps.

Hello,

I'm sorry your son isn't able to access any credit facilities.

Your son can update his credit file. Please ask your son to send us a copy of his file by post to the following address:

O2 UK Ltd
Suite XY
Arlington Business Centre
Millshaw Park Lane
LS11 0NE

You can also email a copy to [EMAIL="Insights@O2.com"]Insights@O2.com[/EMAIL]

When his credit file is updated, he'll be able to access the credit facilities.

As a goodwill gesture, I've credited your account with £17.00 including VAT (Value Added Tax) for any inconvenience that may have been caused. This credit will show on your next online bill (13 May 2007). You can see this credit in the 'Unbilled' section of your online bill.

I hope I've explained this clearly for you. If there's anything else we can do for you, please reply to this email.

You can also visit our online help centre at:

Important - When you email us please provide: your date of birth, postcode and mobile number as it helps us answer your query faster.

Kind regards,

nomad79

GOOD NEWS!! i'm not sure how it happened - i suspect a few o2 crossed wires! my reports are clear!! I was about to initeate ADR (alternitive dispute resolution) as all coms companies have them - if they dont tell u the details call ofcom!

thanks for the comments!!


:beer::T:j




dam faceless corporations!! dam them all to hell!!!