o2 bad mark on my credit file

[SST]

But of help with a problem if you would be so kind.


My o2 contract came to an end and I decided to move to another network.

I cancelled the contract and was told I had paid my line rental a month in advance and would be sent a bill if there were any other charges.

I never heard from them again until a couple of weeks ago when I got a letter from a debt collection agenct stating I owed o2 £26.

I rang up and paid it immediatley then contact o2 wanting to know why they had not sent me a bill or contacted me at all.

I was told that they didnt know why they hadnt billed me.

I then checked my credit file to find they had added a late payment mark.

I have since been exchanging emails trying to get them to remove it with no joy, I keep getting sensless responses saying things like our records indicate you didnt pay the bill within 14 days etc, they dont seem to be able to understand they never sent me any bills or other correspondance.

What can I do to get this removed?

 

[bwglaw]

I presume you have written evidence of 02 admitting that they did not know why you were not billed?

You should contact the Credit Reference Agency direct and file a dispute as to accuracy of any information on your credit file. The CRA will contact the creditor and give them 28 days to respond, failing which the mark will be removed.

 

[saxondale]

in the mean time don`t worry, "late payment" isnt the end of life as you know it.

 

[SST]

Unfortunatley the conversation with the customer advisor who stated they didnt know they they havent billed me was over the phone. It was them who told me to email the credit file referral section, who have been worse than hopeless.

 

[BusinessIdeas]

Good job you paid it though, or they could enter a default without reference to any court or proceedings whatsoever if you hadn't

 

[JEREMY HAWKE]

in the mean time don`t worry, "late payment" isnt the end of life as you know it.

I agree Saxondale Im completly stunned by the modern day obsession with "MY CREDIT FILE" !!!!!!!!!!!!!!!!!!

Never in all my trouble and striff have I heard such rubbish !!!!!

This is the reason we are in the situation we are in now .If people concerned themselves more with saving and investing than worrying about weather or not they can get themselves into debt easy enough we would be a far more wealthier country.!!!!

Why not spend the weekend trying find a good investment instead of trying to work out where the next credit card fix is going to come from!!!..

 

[HostThree]

O2 don't do paper bills any more, you would have had to look online to see it thats maybe why you never received one.

 

[MASSEY]

Good job you paid it though, or they could enter a default without reference to any court or proceedings whatsoever if you hadn't

is tht right?