They called me today. They say that they are going to delete the record from my credit file. I don't know whether leaving this in the hands of their Credit File Team would have resulted in the same outcome, but it certainly was the office of the CEO that got in touch with me after I emailed him directly. They have also said to me that they are going to reimburse me for the year they were charging me for that account that I hadn't been used and that they are going to ensure the default is wiped out in 7 days rather than the several weeks that I was told originally this would take. I feel like I have been born again after all the stress and uncertainty of the last few weeks.

Call Credit. I've been very very unlucky. Most lenders, I believe, don't use their services. But now even if I use a lender that uses a different credit rating company I would need to own up to the fact of having had one mortgage application turned down and explain why. I know, it's peculiar it doesn't show in the others. Although I am not going to complain about that!!! My understanding is that they all work in slightly different ways, so I guess it's just that.

Only it does.... My credit score with two of the credit rating companies is excellent. Only the one where this default is noted is affected and the score on that one at the moment is "extremely low". Fair enough, that's before it was settled, but still. I hear that the way the score is computed takes into account primarily the existence of the default not the amount or whether it was settled. Because the lender I went to used this particular credit agency I got the mortgage application turned down. They argue it was primarily turned down on the basis of this default. My mortgage broker advices that with this default in my record is not possible to get credit (I can only fork a 10% deposit).

Just 30 quid, which I already paid them.

Hi all, I posted this in the a debt subforum but notice now it's primarily address here. I recently discovered, after I had a mortgage application rejected, an unsettled debt of 30£ with )2. In 2006, my cell phone on a monthly plan with O2 broke down. I was long due an upgrade, my first ever, so I went to a shop to get a new mobile. I got one. It transpires now that at that time a new account was opened while the old one was not closed. That, clearly, was not my intention nor was that situation clearly communicated to me. At around that time, I moved from the address linked to the old account after breaking up with my former fiancé. A little over a year later, I had the phone stolen. This was reported to the police and O2. Again, since I was due an upgrade I got again a new mobile in a monthly plan with O2. A few months later, by Autumn 2007, I noticed an anomaly in my bank statements that I haven't noticed before (my lack of sufficient care in these matters). There were two different direct debits from O2. At the time, I thought that perhaps this had something to do with the stolen phone. I approached O2 customer services about it, first by email (and have copies of it, where I also raise a problem accessing my online account) and eventually (because of lack of response to this particular concern) by phone. I could not get a clear response at the time as to why I was being charged for the mysterious second direct debit , so I cancelled that direct debit. Although at the time I thought this was linked to the stolen phone, it turns out that O2 were charging me for over a year (early 2006 to late 2007) and profiting from a contract I was led to believe at the time was simply being upgraded. I don't believe this was done intentionally, but the fact remains that as a consequence of this serious miscommunication I have now been placed in a rather precarious situation, with my credit score ruined and unable to buy a house for my family. I have remained a loyal customer of O2 since I first purchased a cell phone. Over the last 73 months of the existing contract opened in 2006 I have never defaulted or missed a payment. Since January 2011 it is also O2 who provides the internet service to my household. Indeed, my first response to discovering this debt was to pay it immediately, rather than contesting it. I appreciate that O2 (and the companies to which it later transferred this debt, back and forth) may have attempted to contact me by postal mail to the address linked to the old contract. But I left that address in February of 2006 and those letters could never have reached me. I don't think it is very persuasive to argue that O2 had no other means to reach me (they continued to have dealings with me and provided me phone services), but they have hinted as much so far. I'm still waiting for resolution of this matter that is now with their Credit File team. I also wrote to the CEO hoping this would help and was told the issue would be assessed. In the meantime, I wonder if anybody has any helpful tips or advice on how to proceed.

Hi all, I recently discovered, after I had a mortgage application rejected, an unsettled debt of 30£ with a mobile phone company. In 2006, my cell phone on a monthly plan with O2 broke down. I was long due an upgrade, my first ever, so I went to a shop to get a new mobile. I got one. It transpires now that at that time a new account was opened while the old one was not closed. That, clearly, was not my intention nor was that situation clearly communicated to me. At around that time, I moved from the address linked to the old account after breaking up with my former fiancé. A little over a year later, I had the phone stolen. This was reported to the police and O2. Again, since I was due an upgrade I got again a new mobile in a monthly plan with O2. A few months later, by Autumn 2007, I noticed an anomaly in my bank statements that I haven't noticed before (my lack of sufficient care in these matters). There were two different direct debits from O2. At the time, I thought that perhaps this had something to do with the stolen phone. I approached O2 customer services about it, first by email (and have copies of it, where I also raise a problem accessing my online account) and eventually (because of lack of response to this particular concern) by phone. I could not get a clear response at the time as to why I was being charged for the mysterious second direct debit, so I cancelled that direct debit. Although at the time I thought this was linked to the stolen phone, it turns out that O2 were charging me for over a year (early 2006 to late 2007) and profiting from a contract I was led to believe at the time was simply being upgraded. I don't believe this was done intentionally, but the fact remains that as a consequence of this serious miscommunication I have now been placed in a rather precarious situation, with my credit score ruined and unable to buy a house for my family. I have remained a loyal customer of O2 since I first purchased a cell phone. Over the last 73 months of the existing contract opened in 2006 I have never defaulted or missed a payment. Since January 2011 it is also O2 who provides the internet service to my household. Indeed, my first response to discovering this debt was to pay it immediately, rather than contesting it. I appreciate that O2 (and the companies to which it later transferred this debt, back and forth) may have attempted to contact me by postal mail to the address linked to the old contract. But I left that address in February of 2006 and those letters could never have reached me. I don't think it is very persuasive to argue that O2 had no other means to reach me (they continued to have dealings with me and provided me phone services), but they have hinted as much so far. I'm still waiting for resolution of this matter that is now with their Credit File team. I also wrote to the CEO hoping this would help and was told the issue would be assessed. In the meantime, I wonder if anybody has any helpful tips or advice on how to proceed.