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Hi there , just a little confused still , story goes I called O2 in July 2012 to request my pac code , whilst on the phone , the assistant said the pac code will be sent via text and advised me the final bill will be £312 and will be sent in the post . I said thank you very much and that was that. Days went by , weeks and months until I receive a letter from a DCA requesting the full amount . I quickly called them explaining what had happened and that I was waiting on O2 to send me my final bill. They advised me to call O2 which I did straight away . I advised O2 that i called in July and asked for the code blah blah blah. They said I was signed up to online billing (which was correct ) and that my final bill was there to view. I checked and it was there. But, my argument is that I was clearly told on my pac code request that my final bill would be sent in the post . But I hadn't received it . Emails went back and forth where they apologised for what the O2 employee had said to me , that they made a mistake (which I still feel led to this default applied to my credit score ) I paid the full amount to the DCA in 6 monthly amounts . Anyway , I've just read that a default notice is a formal letter sent if a set amount of payments were missed- I had no bill , I had no formal letter .i also had no bill overdue text/call/letter reminder. All I had was the DCA letter .
I asked the ombudsman for help but 02 don't keep recorded calls for that long so couldn't prove what was said on the call (convenient I thought !) yet they had basically has admitted doing wrong by apologising to me yet they refuse to remove the default notice from my credit file .
I said to O2 there is no benefit from me not paying a bill - it's not like I've had a car on finance and walked away with it . There is no benefit to me - why would I have not paid my bill but O2 weren't having any of it- they say that they have to keep the default on my file as a way of keeping everything accurate or something.
I could go round and round with them !!!
Do I have ANY way of removing this default - no letter was sent , no notice , no bill sent in the post as I was expecting . As said ombudsman can't help - I just want it off - it's inaccurate , damaging and wrongly portrays my credit score .
Many thanks for taking the time to read this far .
I asked the ombudsman for help but 02 don't keep recorded calls for that long so couldn't prove what was said on the call (convenient I thought !) yet they had basically has admitted doing wrong by apologising to me yet they refuse to remove the default notice from my credit file .
I said to O2 there is no benefit from me not paying a bill - it's not like I've had a car on finance and walked away with it . There is no benefit to me - why would I have not paid my bill but O2 weren't having any of it- they say that they have to keep the default on my file as a way of keeping everything accurate or something.
I could go round and round with them !!!
Do I have ANY way of removing this default - no letter was sent , no notice , no bill sent in the post as I was expecting . As said ombudsman can't help - I just want it off - it's inaccurate , damaging and wrongly portrays my credit score .
Many thanks for taking the time to read this far .
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