@o2 Argh so frustrating... O2 default - £5.29 (yes you read it right) ** RESOLVED **

[jaisunny]

o2 have decided to destroy my partners credit file with a default of £5.89 since july 2012,

which we found out recently by checking my partners credit score due to being refused a bank account.

 

credit file looks perfect apart from a default in july 2012 from o2 for £5.89 (default states £6?!?!)

 

Right away we tried to log into her old o2 account online and we found it was due £5.89 which we paid there and then.

 

I have on her behalf written out a letter and sent it to o2 here is the letter i sent:

http://s88.photobucket.com/user/j4g3d/media/LETTER-TO-O2_zpsb8c20c97.jpg.html

 

And in return got a very blunt reply and

 

looks like they are not willing to budge on removing the default from the credit file.

 

I think any person on this planet would agree that anyone would pay £5.89 if they knew the debt existed.

 

A little info about my partners o2 contract.

She was on a simplicity 12 month which was paid by debit card (not direct debit),

at most she was 10 days late paying at the end of the month

but always paid when o2 called to ask for the payment.

 

There is NO late payments on the credit file.

 

he 12 months contracted ended and she was put on a 30 day rolling contract

again paying over the phone by debit card,

 

eventually the number was ported over in july 2012 to tmobile

and from what we know the bill was paid,

subsequently in july 2012 we moved house.

 

Now you can see below the reply o2 sent us by mentioning they did send a letter out,

either they didnt or if they did it was because we moved house back in july 2012.

 

They mention we was late on payments often and they had to block the account until payment was made,

my partner can remember this happened twice

but the credit file does not state any late payments.

 

Just states default £6.00 (not £5.89 that was actually due).

 

The number in question is still being used to this day

and o2 did not try to call to say we owe them £5.89 !!!..

 

o2's reply here:

 

http://s88.photobucket.com/user/j4g3d/media/LETTER-FROM-O2_zps71704203.jpg.html

 

 

Reason for posting really is to try and push a little further if its possible to make them acknowledge it was just £5.89

and get them to remove the default, i read so many stories that it is difficult to do this but we want to try at least.

 

Any thoughts on our next step please?

 

Thank you for reading

Edited March 6, 2014 by jaisunny

[dx100uk]

try a polite letter to the CEO email

 

dx

[jaisunny]

try a polite letter to the CEO email

 

dx

 

Cheers DX, any idea how i can obtain the CEO's contact details?

[dx100uk]

http://ceoemail.com/

[jaisunny]

http://ceoemail.com/

 

Cheers, do you think its best to email or send a letter?

[dx100uk]

email has worked before here

 

be polite

 

outline for such a small sum

 

its is/going to effect a mortgage etc

 

dx

 

dx

[fkofilee]

Email has deffo worked before here and I can vouch for that...

I would like to add that I have recently managed to get 2 O2 accounts like this removed from my credit profile, 1 x £6 & 1 x £494

 

It works.

[citizenB]

All of the mobile phone companies will trash your Credit file for small sums such as this. It is disgraceful.

[jaisunny]

Thanks for the hope guys.

 

I hope i worded the email correctly to the CEO, i apologised and said it was my fault but also said i was not notified i had an outstanding debt of £5.89. I pleaded with the CEO for their understanding and that i wouldnt want such a small amount to leave a sour taste in my mouth with o2..etc.

 

What are your thoughts also on the £5.89 debt showing as £6 on the credit file?

 

and the fact o2 stated my partner had numerous late payments? without the credit file showing any late payments? just a simple defaulted....

[jaisunny]

Good news, the email worked and o2 are kindly removing the default from the credit file within the next 30 days.

 

Very impressed with o2 for sorting this. But i can also understand that there is no exception to defaulting accounts. A default is a default whether 1p or £1000, the system picks it up regardless of the amount. I will remember next time do not contact any head office just go straight to the CEO....Hopefully will not be a next time though!.

 

Thank you for your help.

[citizenB]

Excellent news, I am really pleased they have shown some common sense on this issue.

 

I will amend your thread title to reflect the situation

[chumz]

I would like to add on this, I was in exactly the same situation last week, with a default for the exact same amount and I sent a polite but firm email to the CEO that I would like the default removed as it is not a true reflection of my account etc...it works! I also had my default removed. I'm glad that they do atleast show some consideration.