Default o2 account

bnek · 9 June 2018 at 12:37PM

Afternoon all,

Quick question, just done a credit check.

There is a default account from 2016 on my account. With o2 for the sum of £24.38 - this was passed onto Lowell Financial.

The sum is now settled, i was never aware of this and was never contacted about it. It appears to have occurred when i changed phone contracts with o2, they started a new one. At the same time i moved address, they never updated the old account with my new address. Therefore i was never made aware of the debt.

Since then i've settled the account with o2 - Lowell financial now say it is 'settled'.

BUT this remains on my credit report - applying for a mortgage this makes a big difference. Is there anything i can do to get this default account removed?

Thanks in advance.

[Deleted User] · 9 June 2018 at 12:42PM

No. It will drop off 6 years from default.

But a two year old settled default won't be the end of the world.

bnek · 9 June 2018 at 12:43PM

TBH thats what i'm thinking, especially for the amount concerned.

nic_c · 9 June 2018 at 2:23PM

If it was a default, it stays on for 6 years from the default date, and as it is now settled is less impact as time goes on. Its more a worry if you have several defaults. Its not unheard of upgrades resulting in a new contract that goes unpaid, since commission is more on a new contract than an upgrade.

Default o2 account

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