Armsoft Vs T-Mobile UK

[Armsoft]

I have been working on getting bank charges returned now for a few months now, and recently turned my attention to T-Mobile, who registered a Default Notice with the CRAs for MY SONS mobile phone account ON MY CREDIT RECORD, I have sent relevent requests for `true and signed copy of original agreement` along with copy of Default Notice and evidence of it being served.

Today I received a letter from T-Mobile saying that the Service Agreement is regarded as "exempt" under the provisions of the Consumer Credit Act and that they are not required to file a notice of default prior to termination of the agreement.

Is this correct? or is just a fob off as they don`t have any agreement signed by me, and proberbly don`t keep record of default notices?

I will quite happily take this to court, especially as the contract was not mine, but would be interested to know the strength of the potential case

Cheers

[patdavies]

My understanding is that it is correct. Mobile phone contracts are not covered by the CCA and therefore the arguments that can be used with CCA agreements don't apply.

Unless you signed as a guarantor for your son's account, they should not be registereing on your credit record. However, I suspect that , especially if he is living at home, it has been added by address. You need to write a letter of financial disassociation from your son to each of the 3 credit reference companies