I'm not sure, that's why I posted the pdf, not sure if that can tell you the answer? I can't find anything else and it's over a year ago so struggling to remember.

Not sure if this helps? O2 Terms.pdf

So is that also an infringement based on what @dx100ukhas said? More ammunition I can use against them.

So that is a default isn't it?

What details were showing? I redacted everything didn't I? Here's the image https://ibb.co/rHCYgZ2

This is the only blemish on my record, not even a late payment in over 6 years. I had a 999 score prior to this. I believe it definatly is a default, see screenshot. I have not moved address during this period and email address remained the same as O2's records which I use to pass security with them. I've emailed the exec team and hoping that at least escalates it further.

Ok, I didnt realise they were now Virgin so I have done that. Do you have the o2 exec emails so I can send it on to them also or are they now irrelevant?

Hello, Looking for help with a wrongful default on my credit file. Around 12 months ago I signed up for a contract phone through mobile phones direct with O2. When I received the phone I struggled to get signal at work despite the coverage map saying it was good. I decided to return the phone and cancel the contract within the cooling off period. The return was accepted and I thought that was it. A week or so later I receive a letter for O2 stating I owe £520 for an early termination fee. Apparently MPD direct didn't notify O2 it had been returned within the cooling off period. After a few phone calls and emails I was told this would be cancelled (proof via email) and ignore any further correspondence in regards to the debt. I didn't receive any more letters and considered the matter closed. Nearly a year later and whilst looking for a loan thought it strange I wasn't applicable for many providers and it said my score was poor (it's always been 999). Checked and low and beyond there is a default on my account from O2 from nearly a year ago! I've range them, emailed the credit team but seem to go round in loops between the payment management team. They have said they have sent a form to the amendment team but then they respond I need to speak to the payment team. All the while my credit score is ruined. Is there anything I can do to accelerate this and get it removed quicker? They said it would take 28 days last time although that passed with no communication. Now they are saying it will take 30-90 days. Should I speak to the ombudsman? I don't believe the default itself to be lawful as I never received any notice of default else I would have questioned this at the time. I just can't believe they aren't quicker to remove it. This is massively effecting my mortgage renewal and limiting my options, potentially costing and additional £30-50 a month. Can I claim for compensation? Any help massively appreciated.

Thanks again for any help, I'll keep it to the point. Currently in shared ownership property. Around Feb last year started the process of buying 100% of the property. Mortgage approved etc. The housing association dragged it out for months and months until the point the mortgage offer expired. Resubmitted an application but when they asked for payslips they would no longer accept because I was on furlough. Subsequently made redundant in November. New temp job with less pay so settled getting 80%.Same again, dragged heels. To a point where offer expired. Got mortgage company to agree 2 week extension to complete. Sent deposit to solicitor 11/03 for completion in the 12th. The solicitor sent some ID checks which I admittently forgot about, sent to me on 12th completed around 16th. I didn't hear anything so assumed everything was fine. Got mortgage letter through stating what the new payments were and that the money had been released. Nothing however from solicitor or HA. Phoned my FA and he checked and was shocked when the solicitor said it didn't go through. This is now 18 days after it should have gone through. Not once did they try to contact me and the 2 week extension for mortgage expired. They blamed everything on the fact I didn't do the ID checks in time. If they had of rang me or my FA I could have sorted it. No emphasis was put on them to tell me how urgent they were. Even after the date I could have still competed within the extension if they had informed me. Now the mortgage company won't extend again and I'm back to square one! They also still have my £20k which I have given bank details to return but how long would they have kept it until letting me know. Surely that's not legal? The fact I had to contact them is disgraceful. I'll also be complaining to the HA for their part in delaying it all for so long. Is that grounds for a reasonable complaint? Conveyancing Direct Ltd BTW.

Letter said 10 going across company, 2 from cad team. Only 2 have been scored. Essentially I would have stayed but now my position is untenable I feel, how could I go back after being mistreated like this. So yes, I want more compensation because its been an unfair process. We don't have a union.

I want to go now, because of the way they've done it. I still don't think I should just accept it though if they haven't followed procedures. Are you telling me that people who have sued for unfair dismissal have all wanted to go back to their jobs? I want more compensation. I have a family and ill be given the very basic amount for redundancy on a time where job competition is massive!

OK I need some further advice before I go to a solicitor. Had my consultation. In the letter before the meeting it said 2 cad engineers would need to be made redundant. There are 2 of us still on furlough. In the meeting I asked the question how many people were in the pool for these 2 positions that I was being scored against and I was specifically told and reassured the whole cad team were being scored and included in the process. Having spoken to most of them, none of them are even aware of redundancies being made let alone being in the process. The director said that would happen over the next few weeks, he also said at the end of the meeting he's away for 2 weeks! They said they would come to a decision in 2 weeks. How is that fair? I'm being scored along with another engineer for 2 jobs? Sounds like a full gone conclusion already. If I am made redundant without any other team members included surely that's grounds for unfair dismissal? I didn't record the conversation but my other colleague did and he was told the same. Thanks for any help.

I can do that. I'm sure they will refute it. What should be the end goal here, reversing the decision knot likely and I don't want that) or something else? I just want it to be fair.

Just opinion. I've never had a performance review and don't work directly with the TD.

Hello and thanks for helping. I will try and keep this to the point. Been with my company for 4 years, nearly 5. 9 months ago handed in my notice for another job for substantial pay increase. Technical director offered the same pay if I stayed which was an £8000 a year raise. I accepted (regretfully now). Been on furlough since March. Slowly the whole team has been brought back one by one but myself and 1 other not bought back at all, claiming we would be at the end of furlough. Now received a notice of potential redundancy with a score sheet on how they came to the decision, and that's where the BS begins. Ever since handing my notice in, 've felt targeted by the TD. He's constantly singled me out for things and I've always felt like there's been a target on my back. My selection criteria was based from his pov and HR. His views are just ludicrous. Its a blanket average in all the categories which are attitude and commitment, standard and quality of work, Versatility of skills/ knowledge, future potential and following company procedures. A quick comment on why I believe they are unfair; Attitude and commitment: His comment "Does not go the extra when needed". I'm contracted to 37.5 hours a week, I've rarely done less than 42 and never once done 37.5 hours. I have even gone in on a few Saturdays for free. I also find it typical that he finds commitment to be solely linked to how much time I've put in. I've also only had time of when my dad died, otherwise 4 years without a day off sick even when I was. Standard and Quality of work; His comment "Lots of errors, has to redo work". Again quite shocked, if I was so bad why the big payrise? I haven't had a single performance review or ever been advised my work was not up to standard. Versatility of skills; No comments. I have worked in several areas of the business including assembling products to help the shop floor. No formal training in the 4 years I've been there on anything. Future Potential and following procedures; I mean it hurts when your a 34 year old engineer, with 8 years experience told you have average potential. That for me shows a poor leadership. Also I have never had any disciplinary action, been on phone or anything to break the rules in 4 years, but again, average. So that's the criteria. I have a call tomorrow where I will dispute and ask for evidence. The other colleague was scored EXACTLY the same as me and I believe the scores have been fiddled to make us come out low. Advice from here onwards? This may sound wrong now, but I was miserable there and do not want my job bac. What I ideally want is grounds to argue and get a better pay-out. In these times the competition for engineering roles I've seen is 400 applicants for 1 position so if I can get more of a pay-out I will as I need to buy myself as much time as possible. Thanks for taking the time to read/ help.