right that didnt work either, they were not interested, and just told me that if it was in my name im the one to get shafted even if i never knew about it. so the only thing i can think of doing is to put a note on my credit file against it saying that it was a debt run up by a previous partner that i was not aware of. or soemthing like that

called ICO they couldnt help so on the phone to consumer direct to see if they can help at all. but looks like because it was in my name even thought it was her phone and her bank account etc im responsible for it. The woman at consumer direct has told me to call or write to the three credit bobies and ask to be disasociated from that account.

hi lee no i sent my letter to the carphone warehouse complaints department.

right well quick update the wife had her default removed by tmobile completely removed with a thank you letter etc. i got a letter back saying that they are sorry to hear about my problems. they can not remove the default because they are legally obliged to report accurate payment information of all customers to the credit bureaus, by asking to remove any information we would be fraudently reporting your information now the letter is badly written and is signed by someone then pp.'ed by someone else. can i write a letter back going for a different angle, as its really anoying how tmobile would do it for my wife but carphone arseholes wont do it for me. they never spoke to me about the account being unpaid, no letters or phone calls like they state, and becuse its so long ago now, they tell me they dont even have the telephone records to check who it was they spoke to...

basically after several phone calls talkingt o many people all trying to do their best to help, and even a letter pleading with them to remove the defaults they all said no.

called the CRA this monring they said they cant remove it unless CPW say so. So i have written a letter that im going to send off today, nothing threatening a nice bleggin letter lol

anyone?

also while i remember i kept asking didnt you have to send me a letter about the default notice etc as nothing was received all he kept saying was we spoke to you on the phone as the notes say, but we cant check records as we dont keep them that far back..

just had a lengthy talk with their conplaints department about my £21 one they swear blind they talked to someone on the phone 6 times about this account and its overdueness but i have no record of this or any memory of any conversations with myself, they say that because of the length of time since it happend in july 06 they cant check their records as they are only kept for so long, so i said well if you no longer have the records how can you justify me still having the default applied to my account from yourselfs meaning i can get mortgages etc because of this default for only £21, had i known about it do you not think i would have paid the amount. he simply says nothing they can do about it, and that a default thats satisfied is better than one that is not.. to my reply, tell that to the mortgage peoeple then as they dont seem to know as much about it as you do. and that he says the default will stay on for 7 years now where as i thought it was 6 lol even better its getting longer now.. any help as to what i can do if anything, its really stopping ym family from moving on, all because of a past phone contract for a bloody EX.

hi guys im new to the forum but you guys seem like you can help me. me and my other half have went for a mortgage and the credit check came back as us both having 1 default on our reports etc, which neither of us had any idea about. so we bought an experian report and they are there, mine for £21 hers for £29 mine from carphonewarehouse and hers from t-mobile through carphonewarehouse now i called up CPW and settled the account, i then asked to have the default removed as the £21 is effecting me getting a mortgage, they said its settled so that will be fine, but we all know thats not true a default is the same if its settled or not. so i asked them to see if they could escelate it, the problem is, back in 2004-2006 carphonewarehouse used to take the payment for the contract and pass it onto the provider, well i upgraded my contract and moved to vodafone, to which CPW would have sorted out the rest, turns out they didnt, and because all letters from 02 etc go through them i had no idea of a default placed on my account, no-one told me of it, and if they had i would have paid the £21 for the sake of keeping my report clear for just this reason. they said they are putting it to their legal team who do the equifax report side of things and they will get back to me in a few days. if they turn round and say no what can i do, i have seen some templates on the net for this sort of thing (wel for credit card companies), i dont think it fair that either me or my other half are being stopped getting a mortgage because of £50 between us on defaults we knew nothing about.