Default error removal

[maccaparker94]

Hi! Can you please inform me what you do to resolve this? I have had a default put on my account for £9 from O2 for a bill after my contract expired from back in Feb 2022. I haven’t known about it for 3 years until I have just received a credit check with a default on there 2 days ago! I have emailed the amendments email and I spoke to someone in customer service who has issued a default removal request her end with amendment. According to the Consumer Credit Act 1974, a default notice should have been issued before any default can be added to your credit check and you should be given 14 days to make payment. I was never issued this. It also states you should not recieve a default for missing just 1 payment. What else can I do, email the complaints team as I will be going to an ombudsman? I have a 23 week pregnant wife too causing lots of stress to! Please help guys! 
I spoke to someone in the payments team and they admitted my balance is £0 so it must be an error on O2’s behalf to add a default to my credit file. 

[pgn]

This is a customer forum, @maccaparker94 - not O2 - so you are going to have to go back to O2 to get this addressed Guide: How to find help & contact O2 has all the ways to reach them.

Also: e-mail address for O2 Credir File Referrals, as you may already know, is creditfilereferrals@telefonica.com or amendmentteam@o2.com 

Or you can write to them or fax them::-

Credit File Referrals Team

Suite P

Arlington Business Centre

Leeds

LS11 0NE

Fax 0113 2025865

Meantime, reach out to one or two of the CRAs to put a flag on the transaction, that way anyone referencing it for any reason will either ignore it or will have to refer to O2 to get detail on the issue:

https://www.capitalone.com/learn-grow/money-management/three-credit-bureaus/

Good luck!

[maccaparker94]

@pgn thanks, I am on these! 

[pgn]

I see you have received an answer on one of your other queries here - good luck, @maccaparker94!