Credit report shows satisfied default!

robdavenport2

Hi.

New to this so please accept my apologies if this is in the wrong section.

I recently (yesterday) decided to take a look at my credit report. This was driven by the fact we are looking to apply for a mortgage in a few months time.
I know myself that I have never missed, or even been late for a single payment. However I was shocked to see that a dispute with O2 has left a satisfied default on my credit report...

Cutting a long story short... an administrational error on O2's part (admitted by O2) resulted in a credit to my bank account of £521. This was repaid by me, less an agreed amount for time taken off work plus expenses.
However, this amount shows as a satisfied default on my report.
Does this have an effect on my credit history? If so, in this situation am I best to contact O2 to have the report altered?

Thanks
Rob

McKneff

If this is a provable error on O2's part, you should ask them to get the default removed.

ASAP if you are going to be applying for a mortgage, it dramatically drops your chances of getting one.

Good luck andlet us know how you get on.

Gordon_Hose

I don't understand... O2 dropped £521 into your bank account which you gave back minus time taken off work plus expenses. And these deductions were agreed by 02?

If so, and you have documented proof, it shouldn't take O2 very long to remove the default. I take it they were your first port of call when trying to sort this out, right?

aimzrabbit

robdavenport2 wrote: »

Hi.

New to this so please accept my apologies if this is in the wrong section.

I recently (yesterday) decided to take a look at my credit report. This was driven by the fact we are looking to apply for a mortgage in a few months time.
I know myself that I have never missed, or even been late for a single payment. However I was shocked to see that a dispute with O2 has left a satisfied default on my credit report...

Cutting a long story short... an administrational error on O2's part (admitted by O2)....... in writing ?????

resulted in a credit to my bank account of £521. This was repaid by me, less an agreed amount for time taken off work plus expenses. agreed with who ?
However, this amount shows as a satisfied default on my report.
Does this have an effect on my credit history? If so, in this situation am I best to contact O2 to have the report altered?

Thanks
Rob

you have got caught out with a fixed communications default which just does as much damage as a regulated cca 1

have you checked all 3 credit reports ? i bet its not on all 3

when you get into a dispute with a communications supplier its best to pay it then put a HMRC claim letter into them after otherwise this is what you end up with O2 acting as judge , jury and executioner

i had this problem with virgin media and a disconnection fee for £60

i had it removed from experian and call credit no problems with templates from here stating no default notice even though they dont need to send 1 for a fixed comms

i had trouble with equifax they would not remove it and virgin would not budge i ended up writing a letter to the chief executives office at virgin and they removed at as good will gesture after 12 months and several letters to ofcom , ICO and bbc watchdog

good luck shifting it

rabbit

robdavenport2

Hi

Thanks for all the replies...

O2 incorrectly requested a direct debit payment of £521. When challenged they advised to request a direct debit indemnity which I did (had to be carried out in branch, hence the time taken off work)
In the mean time O2 credited (by BACS) my account with the amount.
I complained to their CFO as their contact centre, in my opinion, leaves a lot to be desired. He, through his PA, agreed to the rebate.
Sadly this was done largely over the phone.
I still have the email trail detailing conversations with the CFO and his PA, sadly these do not explicitly accept blame nor agree to the rebate.

I have currently only checked noodle, but have requested reports from the others.

This could be a long battle...

Experian_company_representative

You can also ask the Experian contact centre to dispute the default for you. Easiest way is using our online query form.

James Jones

pqrdef

Personally, I'd be claiming compensation from the credit reference agency. They make a business out of collecting and supplying data and it's time they were made to take primary responsibility for its accuracy, instead of hiding behind the banks etc. If they get supplied with bad data, that should be their problem, not yours.

Gordon_Hose

It's O2's responsibility to make sure the info is accurate. No-one else.

robdavenport2

I have lodged a dispute through the Noodle website that will take up to 28 days to resolve.
Should this be successful do I need to let the other credit rating agencies know? Or would this filter through owing to O2 changing their own records/communicating the change?
Thanks

Gordon_Hose

Be worth getting your £2 reports from the other two just to double check.

kayleemegn

First thing to do is to get the default removed. If you are applying for mortgage, it will be difficult for you to get one. Another thing is to send a mail to Experian support to dispute the default for you.

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