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  1. Hi, sorry in advance if I am posting in the wrong area. I am currently suing T-Mobile for the difference between a mortgage I was refused and a mortgage I received due to an adverse credit rating. My Credit Report has only one payments from T-Mobile and the rest of it is A+++. The reason I did not pay the final bill was because it included an incorrect charge for "early cancellation" of my contract. I gave 30 days notice, they claim I didn't. I only paid after I received a letter from a debt collection agency (all this happened 2 years ago). I then sued T-Mobile for the full amount of the incorrect charge plus cash for lost time and phonecalls. They settled out of court and I assumed that was the end of the matter until I was refused a mortgage for a buy to let property due to this "missed" payment. I eventually received a mortgage on the property from The Woolwich but the difference between this mortgage and the better one was about £2,000 over 2 years. I have an email from my mortgage broker stating the only reason for the decline of the better mortgage was the default from T-Mobile. I contacted T-Mobile and asked them to correct my credit rating whilst I stalled on the purchase of the property for 2 weeks. They wrote to me and said they would correct it as a matter of urgency..........they only corrected it after 3 months. I then took the Woolwich mortgage and started my claim against T Mobile for the difference and had a preliminary hearing at court last week. The judge was a a typical type and said my case was that I had been "badly done to" I said I thought it was more than that and he said it all needed to realte to law and not fairness...........T Mobile's lawyer was obviously thrilled by the Judge's attitude and she also managed to get the judge to allow her an extension to getting her paperwork in as she is on holiday for a few weeks! He also reduced the length of the full hearing from 3 to 2 hours at her bequest and also accepted that she had not received her allocation questionairre and so was reinstating her defence (this had previously been thrown out as she had not filed everything on time. I was pretty demoralised after the event to be honest and do not know whether it is worth continuing. I need to decide on wht grounds to make my claim through law..............as far as I am concerned they incorrectly billed me so I had every right to stop the payments and they should have corrected my file but what part of law that is I have not got the foggiest although data protection and also one of the consumer acts might be useful. I would just like to know whether anyone thinks I should carry on with this, I want to, but feel everything is stacked against me...............thought the small claims court was the small man's court not yet another lawyers domain! Anyway many thanks for any advice/words of wisdom offered.
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