Dear all,
I opened an account with O2 back in February 2022 (which was part of a Virgin broadband bundle) but then cancelled within the 14-day cooling period. (Virgin couldn't provide the service etc., not relevant)
Even though I was told I don't owe O2 any money, I kept receiving auto-emails about monthly bills, therefore I rang O2 3-4 times asking if there is anything further I need to do about this. I was told to ignore those emails, it's an error on their end and (again) I don't owe O2 any money.
Later on, around August, I saw a default appearing on my credit file (I use Credit Karma), stating that 'missing payment to O2' caused this. This damaged my credit file so badly that I can't apply for any personal loan, car loan or mortgage.
At that time, I also received an email from the O2 team, saying I should give their credit file team a call. I called them (Sep 2022) and they again said; don't worry this is just an error, they will inform the credit agency and my credit score should go back to normal shortly. I then received another email saying to give them another call, and when I called them, I realised nothing was done, so the same thing over again, they finally sent me an email on 18 October 2022 saying; "the Write-off reversal has already been done to clear the account balance. Credit file amendment form has been submitted and the credit file will be updated accordingly in 30-60 days."
It has been more than 60 days, my credit score is still at the same level and the default is still appearing on my file. I started feeling like they are completely ignoring this.
Do you think I should seek legal advice? Have you been able to deal with a similar issue before?
Thank you
