O2 Refused to removed Default **RESOLVED + ADDRESS TO WRITE TO**

[AvengingAngel]

Hello Again All,

 

I was bankrupt - discharged in April 2010.

All the creditors have deleted their entries from my credit record except O2

who have an end of December 2010, instead of April 2010.

 

I provided their Complaints Review Service person with a copy of my bankruptcy and discharge letter.

They are demanding to see a full copy of my Statement of Affairs (presumably from 2010),

stating that they have never received this.

They state that they will not delete or amend any entry on my credit record without the Statement of Affairs.

 

Surely O2 are not entitled to a copy?

I remember sending this to the Official Receiver.

 

Any thoughts as to how I should proceed would be welcome.

Perhaps the email address of the CEO, if anyone has this?

 

Thanks.

AvengingAngel xxxxx

[martin2006]

Was the O2 included in the BR?

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?386043-Default-does-not-end-until-after-my-Bankruptcy-ends

[fkofilee]

Hi AA Welcome to CAG.

Sorry to hear of this issue. If O2 was included in the Bankruptcy then you should be able to get the default changed to Settled etc.

 

Personally I wouldn't bother though, its nearing the end of the year very quickly and the default will drop off in Dec 2016.

The choice is yours , But I would hold out waiting. Its only 6 months.

The account will disappear never to come back. But Follow DXs Link, itll explain a lot and a template letter to send to O2.

[AvengingAngel]

Hello again fkofilee, dx100uk and Martin2006,

 

Thank you all for replying so quickly.

 

Yes, the O2 amount was included in the BR.

 

Sensible advice, fkofilee, but I want to get my credit score right back up and just this one account is stopping me.

 

I may be applying for a new mortgage early next year

and I don't want to leave anything to chance, so thank you, dx100uk - one letter winging its way to O2 in the post.

 

I'll let you know the outcome.

 

Thanks All,

AvengingAngel

[AvengingAngel]

Woohoo! I sent your letter to O2 at Northampton.

 

 

They told me that they had forwarded it to their

Credit File Referrals Team, Credit File Referrals, Telefonica UK ltd, Arlington Business Centre, Millshaw Park Lane, Leeds, West Yorkshire, LS11 0NE.

 

 

Within one week,

without any communication from Arlington BC,

the entry was deleted from my credit record which has gone up to 8 points off the top score.

 

Another success for your team.

Thank you, thank you, thank you. Mwah xxxxx

[dx100uk]

well done

thankd for the address too

 

 

dx

 

 

 

 

 

 

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