Aug 03, 2010 My girlfriend and i are trying to get a mortgage but there is a default on her credit file from 2006. Download The Berry Patch Monticello Mn. Its only for £10 but we need to get it resolved. The problem is the only way to contact them about credit file issues is via e mail. They promise to respond in 5 days but we're now on day 6 and there are no telephone numbers to.

Emma Wallace But one payment was still outstanding under her old contract, which prompted O2 to put a mark on her file. This was despite the fact that Ms Wallace had not been notified of any payments due. “I asked O2 why I was never sent a letter to inform me that a payment was due, and I was told that it was O2 policy that once an account is closed they stop sending letters and send emails instead – only, they didn’t have an email address for me, so I was never told about this last payment. Therefore, it’s a simple administrative error on O2’s part that I’m now unable to get a mortgage on my first home,” Ms Wallace said. 'I admit that I forgot that there was a last payment due, but I received no reminders about it and then the black mark was put on my file straight away.

Can anyone tell me how to remove a settled account from my credit. Credit File Referrals. The O2 dept who deal with credit report. Vodafone credit checks. However, the check that’s carried out against your personal credit file won’t be recorded by the credit reference agencies. Correspondence with O2 when they admitted a fraud had taken place. Your wife's credit file as she'll have to. The Police by O2 and a Police case number.

I was never given the opportunity to pay the outstanding amount after I closed my account with O2. While I was with O2 I never defaulted on any of my monthly payments, and if the final bill was sent to me by O2 I would have immediately paid the full amount, as I have done so now.' Ms Wallace said she was 'devastated' that the error could cause her to lose her dream home, which will fall through if a mortgage isn't approved in time.

• When Telegraph Money contacted O2, a spokesman for the company said that the marks on her credit file would be removed. 'Her final bill was generated on December 23 2014, which included the December 5 bill plus the early termination fees. Because Emma had already left us, this did not generate a postal letter to send to her with notification of the payment required,' the spokesman said.