A question about : Remove Default from Mobile Phone Company
I was reading that it's virtually impossible to remove a default from a mobile phone company.
https://www.learnmoney.co.uk/credit-f...-defaults.html
I got a default from O2 without knowing about it in 2011. During the time of switching mobile phone companies I had moved flats and hence didn't get my final bill of Ј6.35. I believed I had cleared it. I payed the outstanding balance hoping it would clear the default.
I written a letter to O2 asking them to remove the default. They reply:
Quote:
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I would like to inform you that your credit file is marked as settled after 40 days from the date payment is made. However, as far as the default is concerned since its valid we won't be able to remove it.
For your information, O2 are legally bound to load an accurate record of the payment history of an account and if a bill isn't fully paid within two weeks from the bill date, late payments will load automatically, leading to a default after six months. These details remain on the credit file for six years from the date of the settlement or default whichever occurs earlier. |
Is this fair?
Best answers:
- It's in no way fair, and it's why the credit referencing industry is a joke. Beyond a joke, actually.
This can easily stop you getting a mortgage - but why? Why should it? Even if you never paid it ever, why on earth would a Ј6 debt to a mobile phone company be anything that relates in any way to paying for a roof over your head, or a vehicle for that matter?
The entire industry is a misrepresentation of events that are logged in order to keep people squashed under the feet of big business. - I hear you GB, however there appears to be an all too regular occurrence of people having problems with their credit file only noticing them when they are declined for credit, which usually comes from either moving addresses and not checking to see if their lenders have their new details, and/or paying off 'final' balances/bills assuming that said accounts are closed magically, without having it recorded in writing and also obtaining copies of their credit reports to make sure the accounts are in the closed section of their files.
No point in moaning about the fairness/unfairness of it all, all you can do is self-regulate and monitor your files with some regularity and make sure that all data is correct and act upon anything which is untowards.
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