Hi all, Long story short as I can: New contract phone 7 months in and bills paid on time but dispute over extra charges for non direct debit, did write to them at least 7 times about these charges but Phone then put onto incoming calls only, on a Saturday morning of all days. Had to make some calls that day so was upset to say the least, especially since the bill had been paid 7 days before. Checked terms and conditions and legally terminated the contract. Recently ordered a new contract HTC One and was network accepted but phone was in high demand I cancelled that order after waiting 2 weeks and ordered straight from the same network who had stock, this was then refused. Checked my equifax report and I now have 2 late payment markers from T-Mobile, I have written to them (CEO) but have not received a reply my next action is to take them to court to remove the late payment markers and pay compensation for the lost contract. I have been through the terms and conditions and 100% positive my termination is legal T-Mobile are now reporting on a terminated account with false information as I have never missed a bill payment with them. I have proof of the loss of phone contract, email acceptance and then email proof of refusal from the same network a few weeks later. Can anyone help me with the wording on the LETTER BEFORE ACTION as I am not letting them get away with this and will take them to court. Have an LBA already written out so will just edit the personal stuff and post up if you can give me your advice over it. Regards George

Hi all, Need some help regarding tmobile trashing my credit file for the past 5/6 months now. I did make a complaint to CISAS but have just received a letter today claiming my complaint is outside the time frame for them, load of boll*** if you ask me, I never even heard of CISAS until this year so how could I make a complaint to them before that time. Anyway long story, short version here. T-mobile cut my phone off onto incoming calls only and this goes against the terms and conditions of the contract since I had written to them explaining my dispute and how much I would be paying and how much I would be with holding. These clauses are in the terms and conditions and I was so fed up that day when I needed to make some calls I cancelled the contract due to t-mobiles breach of there own terms and conditions. If they (t-mobile)have the right to immediately cancel the contract for a breach of the terms and conditions then so do I and that is what I did. Now t-mobile have been trashing my credit file with late payment markers, currently at 5 late payment markers now (August2013). I also lost out on a new contract phone from Three (HTC ONE) due to these markers coming onto my cca file, I have proof of this loss. I have now had enough, I want to take T-Mobile to court and make them pay for the damage to my credit worth and get the late payment markers removed. I am pretty good at writing letters but so unsure on how to word the POC for this claim and even what I am claiming for, default removal with damages to credit worth. Any help or advice will be gratefully received. Regards George