Its T-Mobile.

Hi - First post asking for advice. Not sure if this should be in the telecoms section or the credit agencies section. A couple of weeks ago, i got knocked back from a mortgage application at the final underwriting stage, and the reason given was "late payments" Surprised by this i obtained the other two credit reports as i already had noddle and that didnt show anything. The company is T-Mobile. The other two show a U U U 4 for Aug-November this year (and green OKs previous) and no doubt noddle will when it gets updated this month. Now after chasing this up with their call centre, i had a outstanding balance of just over a tenner, which i paid instantly. I was surprised by this as the sim card had a zero monthly line rental cost - and actually has never been used. Ive since found a number of things: They have been charging me 6 pence a month for several months which added up to a balance of 36p outstanding up until the November bill, then the November bill was for £10.57 (due to the 12month offer of the discount ending) Given the small sums of money involved i find the late payment mark/marks rather unreasonable considering its decimated my credit rating and i stand to lose quite a bit of money on surveys/solicitors fees if im unable to get a mortgage and have to pull out of the sale. When the contract was originally taken out (i have checked the emails) there is mention of setting up a direct debit and my bank details look correct now i dont know if the DD ever got set up or if it got deleted accidently when i was having my yearly financial "spring clean". - shouldn't they have notified me by post/email if a payment had failed to be taken? - or is the amount below a set threshold where they dont bother? Do i have a chance on getting them to remove the CRA markers?. I am glad i "caught" it at this stage without it getting to a default, but its still going to prove very problematic Thanks in advance