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I can’t buy my first home because I owe £13 to O2
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theguardian.comAfter years of saving, I finally have the means to buy my first home. However, my mortgage application was declined because my credit record shows a £13 default against an O2 account that I closed in 2019. O2 explained that I am actually in credit by £14 and the fact this was not refunded has created a default. I was told this was standard practice. O2 promised to have the default removed, and told me it would take 30-60 days. This could scupper my house purchase.MB, Lewes, East Sussex
O2 is talking nonsense. Credits never show as defaults on a credit record, and disputes with credit reference agencies must receive a response within 28 days, not 60. When I challenged O2, it suddenly discovered there was no £14 credit. Instead, you owed
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