Help! O2 has ruined my credit rating and I am applying for a mortgage ASAP

[NightStar]

Hello, I've tried to contact O2 Customer Service but are having no success. 

@Martin-O2 is there any chance you could contact me ASAP at bethiemoseley**Personal info** as I don't have access to log in to O2 community (this has been sent via a friends account).

We were due to get a mortgage TODAY (Wedneday) but was denied as my credit rating had been affected by a mistake made by O2! I took out and returned a phone within it's cooling off period in November but the O2 system wasn't correctly updated and so my account logged it that I had been defaulting on it for the last 8 months and so resulting in a low credit rating. HELP! We are desperate! The house we have finally found and the chain we are in hangs on this! We need the credit rating to be reversed today as we have to prove our mortgage or we will lose the property. 

Many thanks, Beth

[NightStar]

**Personal info**

[Cleoriff]

@NightStar 

The forum filter removes all personal info. I will tag @Martin-O2 to this thread and he will respond here tomorrow. He will need information from you, so pop back to the thread to check what he says.

[Bambino]

@NightStar It's obviously too late to do anything about this today. 

Unfortunately, this is something we see happening here regularly. I don't know what, if anything, @Martin-O2 can do about this, but you'll probably need to contact the Credit Referrals Team at some point. There is no phone number to speak to anyone:

CreditFileReferrals@o2.com
Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE
Fax 0113 2025865

[madasaf1sh]

@NightStar

Just so you are aware it can take up-to 60 days for the Credit Agencies to update their records, as they are not updated in real time.

And from my dealings with Credit Referrals they can take upto 15days to respond.

You can put a notice of correction on the Agency that the bank use to say there is a query.

I would make sure you have all the evidence to say that you cancelled the account, as this may speed up the o2 process.

Good Luck

[Martin-O2]

I'm happy to pick this up for you @NightStar but as mentioned above it wont be an instant fix. I'll drop you a message now to get some details so we can proceed.