O2 Defaulted account £10.21

DVardysShadow

Gordon_Hose wrote: »

Unless they agree to remove it then yes, pretty much.

If they won't, then the best thing you can do is pay it, so that it shows as settled on your record.

The issue is not £10.21, it is the damage to OP's credit record. This should be challenged along every avenue.

fermi

If you still think it is unfair and they didn't give you any notification or chance to pay the bill, then take it to the ombudsman.

http://www.ombudsman-services.org/communications.html

As it's a data protection/accuracy issue, then maybe the ICO as well.

http://www.ico.gov.uk/complaints/data_protection.aspx

You could consider sending a SAR for the records of what they did/sent, but if it's all electronic then that may only turn up a list of dates of when things were supposedly sent.

fermi

Oh, and at the very least record a notice of correction on your credit reports.

andyford2000

Gordon Hose, they cleared the debt themselves as a i said earlier on in my posts

i have logged a complaint with the ombudsman service,

drjones69

I believe there's a degree of 'hoop jumping' that needs to be done - the FSO won't handle your complaint unless you've already gone through the creditor's own complaint process, probably worth knocking a letter off to O2 Complaints as well as your complaint to the FSO, I dear say they'll fob you off with the same excuses - but you'll be able to demonstrate going through the process - and who knows, maybe O2 complaints might even support you (I certainly wouldn't bank on that though!).

It might also be worth dropping a complaint off to the regulatory body - which I believe in this case is OFcom (http://consumers.ofcom.org.uk/tell-us/telecoms/billing/).

Best of luck,
Ryan

andyford2000

Hi Drjones,

I have sent various emails to O2 over a period of 2 months trying to sort this before posting on here for help and advice. same answer every time, a big fat NO we will not remove it, even tried c.c.ing the ceo too to no avail