O2 and Moorcroft

[davisc02]

Hi all, I have just checked my credit report for the first time in 8 months as we are due to go for new mortgage soon and I thought we were absolutely squeaky clean.

 

I have just discovered a nice red X flashing up in Equifax and when i expand it there is a £20 outstanding bill for 5 months which I had no idea was still outstanding. I have phoned O2 and it relates to a rolling 1 month phone contract I thought I had terminated last year, I vaguely remember phoning upO2 to cancel and have since taken out new business contract with them.

 

When I spoke to them she said ther is no record of me wanting it cancelled, it was disconnected for non payment and then passed over to Moorcroft. I immediately paid the outstanding amount today but she then said that I would need to speak to Moorcroft about getting the entries removed from my credit report.

 

Checking back through my emails there was an email in Dec saying "latest bill" £20.43 and that was the last thing i have and I have not had anything since.

 

This has really pi55ed me off because I have tried to make sure everything is always paid on time and we are going for a new mortgage soon and the market the way it is I can see this showing up badly as soon as we apply.

 

Has anyone got any suggestions before I phone Moorcroft, I have dealt with these years ago and I know that it will be liking banging my head against a brick wall. Thanks

Edited May 18, 2013 by citizenB
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[citizenB]

This is becoming quite a problem and many other caggers are confirming their Credit records are being blighted by very tiny sums and very nearly ALL are in connection with the cancellation of mobile phone contracts.

 

Is this spite on behalf of the mobile phone companies ?

 

You MUST cancel in writing - send the letter by recorded or special delivery.

 

If you have telephoned them, then it is likely the information will not have been recorded on your account file.. for obvious reasons, they don't want to lose customers and it makes them a nice little sum in adding their administration charges.

 

They are obliged to let you know there is an outstanding sum and give you time to pay it before trashing your credit file. I simply don't know what the answer is and TBH, I do not think you will have an easy time trying to get this default off your file.

 

I am sure others will look in over the weekend to offer some advice on what you can do.