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  • FIRST POST
    • NINANinja
    • By NINANinja 13th May 18, 8:46 PM
    • 51Posts
    • 35Thanks
    NINANinja
    O2 asking for Statement of Affairs
    • #1
    • 13th May 18, 8:46 PM
    O2 asking for Statement of Affairs 13th May 18 at 8:46 PM
    Morning Folks
    I was BR Dec 13, discharged Dec 14.
    I posted on here a couple of months ago saying my Experian credit report had some serious errors on it. To be fair, Experian were really quick to contact the lenders and put most of it right.
    But I still have an issue with O2, who have refused to amend my record unless I send them my Statement of Affairs. Iíve already sent them a copy of my BO and DO.
    I queried this with them, saying that they can clearly see that the debt was pre-BR. They said that unless I sent the Statement of Affairs to prove that this debt was included in the BR, they wouldnít amend the record.
    However, the same debt is shown as Settled on my date of discharge on their records in my Call Credit and Equifax reports... Iíve told them this but it has made no difference.
    Plus, the debt showing on my Experian report was initially marked ĎSettledí (£0) but for some reason was reinstated by O2 in September 2015 (I was discharged in Dec 14). Iím worried that they now think this is a new debt!
    Is it normal to be asked for a copy of the Statement of Affairs?
    Iím also thinking that even if the debt wasnít on the SOA, then itís still a debt in BR, having been incurred prior to BR proceedings?
    Iíve raised a formal complaint with O2, and will report this to my OR and the Information Commissioner next week, but would welcome thoughts on this.
    Thanks.
Page 1
    • GDB2222
    • By GDB2222 13th May 18, 8:52 PM
    • 14,812 Posts
    • 80,371 Thanks
    GDB2222
    • #2
    • 13th May 18, 8:52 PM
    • #2
    • 13th May 18, 8:52 PM
    Surely, it was up to O2 to prove their debt to your trustee in bankruptcy/OR. Anyway, whether they did or not makes no difference. Ordinary commercial debts of this sort are extinguished by bankruptcy whether they are notified or not.
    No reliance should be placed on the above! Absolutely none, do you hear?
    • elljay
    • By elljay 13th May 18, 9:58 PM
    • 801 Posts
    • 661 Thanks
    elljay
    • #3
    • 13th May 18, 9:58 PM
    • #3
    • 13th May 18, 9:58 PM
    Just tell your OR, they'll sort it out. No need for you to get this involved. Not your debt, not your problem.
    • debt doctor
    • By debt doctor 13th May 18, 10:34 PM
    • 4,360 Posts
    • 6,027 Thanks
    debt doctor
    • #4
    • 13th May 18, 10:34 PM
    • #4
    • 13th May 18, 10:34 PM
    Hi,
    Make a formal complaint to EXPERIAN that they hold incorrect information and mention the fact that you will complain to FOS after 8 weeks if not happy.
    You are correct in thinking the debt did not have to be on your SOA to be included.
    DD
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
    • NINANinja
    • By NINANinja 16th May 18, 5:27 PM
    • 51 Posts
    • 35 Thanks
    NINANinja
    • #5
    • 16th May 18, 5:27 PM
    • #5
    • 16th May 18, 5:27 PM
    Thanks Everyone, really appreciate your help xx
    • maxmycardagain
    • By maxmycardagain 16th May 18, 6:32 PM
    • 4,693 Posts
    • 3,749 Thanks
    maxmycardagain
    • #6
    • 16th May 18, 6:32 PM
    • #6
    • 16th May 18, 6:32 PM
    O2 chased me hard post-BR for just £400... bless em

    They were not on my BR forms so decided that meant they could chase

    I enjoy a good chase............I won

    Dont reply to them except for sending a copy of your BR

    They might sell the debt on....let em
    Dont worry, be happy
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