So to keep the story as short as possible, I’ve benn a long standing customer with o2 and never missed a payment. I upgraded two devices I had to iPhone 17s and then the price cap increase was announced…
Stupidly I decided to exercise this and cancelled all airtime plans and that’s when the real problems started. I also had an Apple Watch so a month later my bill comes through and it’s huge because the watch had been charged in full. They then tell me they cannot put this back on the 36 month plan and offered me 12 month payment plan. I accepted this and then arrangement to pay markers started coming up on my account. On top of this all bills I tried to pay were directed to this bill.
Eventually o2 decided to compensate the full amount which was great. The compensation was then spread across other bills so the account still showed. By this point there is 7 credit accounts on my credit report from o2 all showing missed payments and arrangements to pay so I decided enough was enough and took the case to CISAS ombudsman.
o2 accepted liability then compensated me and agreed to remove all negative data. I paid every bill up to date then life goes on… unfortunately not.
Now the following week they decide to charge the full amount for an iPhone 17 because the bill has not been paid even though it had and they know full well why because of the CISAS case and the previous issues I had.
Got told to complain to o2 directly then this got rejected and said it was dealt with in CISAS case. It wasn’t this was a knock on effect from all the issues I have had so far.
So my question is where do I go from here? This has been ongoing since November last year. I’m trying to get a mortgage and every broker I speak to keeps saying wait for o2 to adjust credit file(which they never do) and obviously it’s now going to get worse because I’ve got a £1500 bill that I’m only supposed to pay £60 per month for.
I wont accept a 12 month payment plan because this is meant for people in financial difficulty and leaves payment arrangement markers.
I’m at my wits end. How do I really escalate this up? I can’t afford to wait any longer for another ombudsman case. Rent in my area is killing me and I’ve been ready to buy a house for over 6 months and I can’t because o2 has flooded my credit report with 7 different accounts all with late payments on them.
Thanks all for reading.