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Hi All,
I would really appreciate your help with this.
I have a £100 settled default on my credit file from O2. I wasn't aware of this until this year when I was refused a credit card. I understand this was because O2 alleges that I did not return my mobile phone at the end of the contract even though I did. I disputed the charge but paid it after six months scared by the threatening tone of their letters. I still don't believe I was in default as I had returned the phone.
I understand the mobile phone companies are not covered by the Consumer Credit Act. I understand the phone companies are still covered by the Data Protection Act and guidance on default reporting to the CRAs? Is it possible to remove this settled default from my credit file?
What are my options?
Many thanks
I would really appreciate your help with this.
I have a £100 settled default on my credit file from O2. I wasn't aware of this until this year when I was refused a credit card. I understand this was because O2 alleges that I did not return my mobile phone at the end of the contract even though I did. I disputed the charge but paid it after six months scared by the threatening tone of their letters. I still don't believe I was in default as I had returned the phone.
I understand the mobile phone companies are not covered by the Consumer Credit Act. I understand the phone companies are still covered by the Data Protection Act and guidance on default reporting to the CRAs? Is it possible to remove this settled default from my credit file?
What are my options?
Many thanks
