o2 demolished my credit rating !!!

Buzby

Sulkyjim - the CRA is talking nonsense, so challenge them. You didn't have a 'credit agreement' with the network - you had a mobile contract. So, if they have mis classified it, it has to be removed.

Next, if O2 have placed a phantom debt on your account, then removed it, this takes away the bad mark, unless they simply marked it as paid, rather than removal of incorrect data. Your argument with O2 is valid, AND worth raising with the ICO too.

oopsadaisydoddle

Buzby wrote: »

Sulkyjim - the CRA is talking nonsense, so challenge them. You didn't have a 'credit agreement' with the network - you had a mobile contract. So, if they have mis classified it, it has to be removed.

Next, if O2 have placed a phantom debt on your account, then removed it, this takes away the bad mark, unless they simply marked it as paid, rather than removal of incorrect data. Your argument with O2 is valid, AND worth raising with the ICO too.

This is only the case if the debt was not due.

As I said previously, I'm not saying I doubt OP, just I find it hard to understand why this bill was there in the first place. I have seen many people not pay their last bill because they didn't realise they owed it.

They may have offered to wipe the bill but that doesn't mean it wasn't owed in the first place.

OP - I'm not disputing you - just trying to get a better idea of where it has come from!

Sulkyjim

Hi oopsadaisydoddle. Its a fair enough question ... and I should have said - they claim the bill was the penalty for closing my account early in the contract and would represented my final bill (on top of the actual final bill, which was paid as normal) .

When I left them they agreed to waive any penalty as I had been a customer for 10 years and was only leaving as they did not have reception where I moved to. (it is worth noting that they definitely knew my new address as I was there for a few months before switching provider) What I did wrong was fail to take a note of the name of the person who agreed this and naturally they did not note the account !!! after the phone call, I never had any further contact with them in any way.

The next thing I knew about this bill was as described in my original post. They never contacted me once to tell me the bill existed. They have acknowledged this (and I did take a note of the name of the "supervisor" I spoke to and I checked and she did accurately note the account!)

i can understand the mix up in the bill being generated. I would have just paid it gladly had they sent it to me. What I dont understand is why they have not told me about its existence .... ever (I would have expected to be getting, 50 phone calls a day and letters threatening a doorstep visit by now if they actually believed it was owed!!!) . And I just dont understand why they are now failing to fulfill their promise of updating their stance to the credit agencies.

oopsadaisydoddle

sulkyjim wrote: »

Hi oopsadaisydoddle. Its a fair enough question ... and I should have said - they claim the bill was the penalty for closing my account early in the contract and would represented my final bill (on top of the actual final bill, which was paid as normal) .

When I left them they agreed to waive any penalty as I had been a customer for 10 years and was only leaving as they did not have reception where I moved to. (it is worth noting that they definitely knew my new address as I was there for a few months before switching provider) What I did wrong was fail to take a note of the name of the person who agreed this and naturally they did not note the account !!! after the phone call, I never had any further contact with them in any way.

The next thing I knew about this bill was as described in my original post. They never contacted me once to tell me the bill existed. They have acknowledged this (and I did take a note of the name of the "supervisor" I spoke to and I checked and she did accurately note the account!)

i can understand the mix up in the bill being generated. I would have just paid it gladly had they sent it to me. What I dont understand is why they have not told me about its existence .... ever (I would have expected to be getting, 50 phone calls a day and letters threatening a doorstep visit by now if they actually believed it was owed!!!) . And I just dont understand why they are now failing to fulfill their promise of updating their stance to the credit agencies.

I see! Yes it is annoying that they didn't contact you. I would suggest writing again if you don't get a response soon and maybe contacting OFCOM as well.

If you contact OFCOM or CISAS (?), (i think) they give you a reference number and the contact number for their head office.

If they have agreed to credit your account then I can't see why they wouldn't remove the default. Also, when they update your records, it can take up to month to show...it doesn't always but that ma also be why.

Good luck!