O2 account in DEFAULT!

samantha.b.mcgregor

Hi mse-ers!

After being credit checked for a flat, I was told that my credit rating was low. Luckily my mum (gem that she is) agreed to act as guarantor to enable me to move in... SO, I checked my credit report and *shock horror* found that there is a default notice on my file from... wait for it... 2007! The default is on an O2 account for a mobile phone which I cancelled way back when. Now, the default was news to me since I'd been at the same address for the entire time and never (not once!) received any communication from O2 or any collection agency acting on O2's behalf.

I called O2 and spoke to a lovely girl who managed to brush the dust off my old account and told me that the account had been in arrears and I'd called and made a payment of £10.76 which brought the total balance owing to £100. Again, this was news to me! Despite being a long time ago, I tend to have a pretty good hold over my finances and this doesn't sound like me at all... Anyway, she gave me dates of various communications which were apparently sent (but never received), but there was no record of a default notice. Now, I was under the impression that in order to apply a default notice to a person's credit file, a default notice must have been sent along with accompanying information about the account.

I don't know where I stand now. I was told that my only option in order to lift the default (from O2's point of view) is to pay the £100 that's showing on the account. I feel loathe to do this since I had/have received no communication WHATSOEVER from O2 and they never sent a default notice or referred the account to a third party (a letter like that I would CERTAINLY have remembered!)

Does anyone have any advice on where I can go from here? Do I have to pay O2 or is there some action I can take?

Thanks in advance!

DUTR

Well, if you owe, you pay, if you don't beleive any monies is due, then fight it. However since you are going on about the proceedure, I semi suspect you know you owe and thought it may have got forgotten about or written off, sadly sometimes we maybe through with the past, but the past may not be through with us.

samantha.b.mcgregor

DUTR wrote: »

Well, if you owe, you pay, if you don't beleive any monies is due, then fight it. However since you are going on about the proceedure, I semi suspect you know you owe and thought it may have got forgotten about or written off, sadly sometimes we maybe through with the past, but the past may not be through with us.

Genuinely didn't realise that this money was owing, otherwise I'd have paid the full outstanding balance at the time rather than wait five years for it to catch up with me! From O2's perspective I DO owe money, but I was certain I'd paid the balance before moving to an alternative network. If I didn't (which O2's records indicate is the case), I want to know why I never received a default notice and where I stand in terms of potentially reaching a settlement... Should I write to O2?!?!

Oli.s

This happened to me too but I was actually told I had completely paid off my account with the final bill, fast forward about 12 months and I get a debt collection letter as they had missed calculated my bill and I owed something stupid like an extra £4. O2 made no effort to contact me by any method and put a default on my credit file.

I rang to try and get it sorted and after speaking to numerous people and making a complaint they just couldn't be bothered to do anything about it.

O2 are a complete joke and I will never do business with them again, though they won't care.

DUTR

samantha.b.mcgregor wrote: »

Genuinely didn't realise that this money was owing, otherwise I'd have paid the full outstanding balance at the time rather than wait five years for it to catch up with me! From O2's perspective I DO owe money, but I was certain I'd paid the balance before moving to an alternative network. If I didn't (which O2's records indicate is the case), I want to know why I never received a default notice and where I stand in terms of potentially reaching a settlement... Should I write to O2?!?!

It's not an attack, some of your other threads suggests you buried your head in the sand with some other outstanding comittments, so I'm not sure how people (not just here the CSA board too) are sure they have paid something when perhaps there is a strong likelhood they 'forgot' , if the situation is hindering you moving on in life then whichever route , you should get it addressed quickly.