o2 mobile phone default..any advice welcome...

[pyoung7453]

Hi,

 

I have just checked 3 credit reference agencies; Experion, Equifax and Callcredit. All OK except Callcredit who have a default listed on me from 2003 by o2 for £1045 and is not 'satisfied'. The address given is a very old one where I left in 2003 due to divorce.

 

A few things;

 

1. I cant ever remember having a o2 account and have asked for a copy of the agreement.

2. I have never been chased for this defaulted money so was not aware of it until I tried to get credit (seems this is used less but I got caught at the bank with this one).

3. Where do I go from here and how best do I tackle o2 to get this removed.

 

Any ideas?

 

Thanks

[flyingdoc]

My idea would be sit it out. If it was defaulted in 2003 then it will fall off your account this year anyway, so by tackling it you may just reactivate someones interest in the debt.

 

Leave the scab and it should fall off by itself...

 

Dont pick at it or you may make it bleed

[pyoung7453]

The problem is, that as there is no account end date on the credit file listing, they keep updating it each month as a defaulted i.e. as though I still have a running account with them, even though I do not.

[flyingdoc]

what date is the date of default?

 

Regardless of activity on the account it should fall off after 6 yrs

 

Also if you wait until after the 6 years from default, even if it doesnt fall off, the debt will be statute barred so they cannot try and recover it.

 

I strongly advise you hold fire until 6 years from date of default until taking any action on this .

[pyoung7453]

Hi the date was 22/4/2003. Thanks for your help by the way.

 

So on the 23/4/2009 I just tell the credit file people to remove the entry?

[raydetinu]

After that date they cannot legally chase you for the money but still be listed as a default; so after that date you can safely do subject access request and challenge it, without anything bouncing back on you.

[pyoung7453]

Thanks for your help. Just out of interest, how long do things stay on your credit file for. I always though it was 6 years, but is this 6 years from the satisfied date or last updated date?

[flyingdoc]

it should fall off after 6 years without you having to do anything