Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
After checking my credit references. I noticed that I had an outstanding balance of £7 from 2005 plus a default issued in early 2006. I'm really annoyed as not once did they try and contact me for the payment! I paid this off immediately with o2 and was advised that the default would be removed.
A month later and after chasing O2 my credit report still has the default! Surely they can't be allowed to do this as they never once advised me that this payment was due! Its only £7 for goodness sake and now my rating is marked!
It's their ball - and you agreed to them passing your informatino to CRAs. However, if they said the default would be removed, you should pursue this, as for such a paltry amount they are being vindictive. I'd put your complaint in writing, state only the facts, and confirm that as you paid on being told there was an outstnading balance, you call on them to complete their side of the bargain.
O2 Default
and was advised that the default would be removed.
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