I am an existing O2 customer and have been for several years having taken out various contracts with them. However, a few years ago I encountered O2's lack of customer service and empathy towards their customers first hand when I experienced a short spell of financial difficulty due to a change in personal circumstances. I am still in battles with O2 to this day. Despite my settling the account in question at the time, unbeknown to me, until last year, O2 had in fact placed a default notice against my credit file without ever having given me any prior warning either by written correspondence or verbally - their reason being, they are not regulated like other companies because communications are regulated by Ofcom which have lower regulatory guidance. I say this needs to change. I was given the contact details of O2's ombudsman, who I have written to and obtained a response that they cannot deal with my complaint because O2 issue service agreements and not consumer contracts. I am now putting a case together to submit to Ofcom - I have googled and stumbled across many dissatisfied O2 customers where the same thing has happened. I was only in difficulty for a short time and the amount I fell behind on does not even amount to any significance, however, I am effectively placed into the same category as someone who has a CCJ registered against them as a result for the next 3 years despite not being in financial difficulty anymore.