Pastdue credit solutions for Hutchinson 3 mobile in Telecoms - mobile or fixed Posted December 1, 2016 Thank you for reply. There is mention of this so called debt on my credit file, but it has not had any impact on getting credit because I pay all my monthly payments on time, I contacted Equifax about putting mention on my file that debt is contested, that lasted a month before being removed. I will ignore all letters that I get unless they come via registered post. I still can't believe it's taken a year. Thank you for advice it is appreciated.