Please help me with an urgent issue. O2 has incorrectly added a default to my credit report that has been present for the last 11 months! I have only just discovered this and it is totally unacceptable.
I ordered a phone and contract through a 3rd party website (mobilephonesdirect). Despite searching on the network coverage before placing my order (which said I would get good coverage) when I received the handset my signal at work was poor. So I requested a return within 14 days as was my right.
Despite being in the cooling off period I was sent a bill for £527.58. I believe this was down to a delay from MPD in notifying you the phone had been returned (it was returned on 18/05).
After hours of phone calls finally I thought it was resolved and the O2 representative confirmed over the phone and via email that I would not be charged and to cancel my direct debit and ignore any further communications regarding this matter, which I did.
However, what seems to have happened is your collection departments has deemed this to be a default and as such placed a default on my credit score incorrectly. This needs to be amended immediately as it is impacting my ability to get credit severely. I also did not receive any notices of any impending defaults, nothing via email or post only the attached email stating it was overdue.
I phoned up over a week ago to resolve this and was told it would be escalated and removed but it's still not been removed from my report
