Orange Default

[Nottingham1989]

Hello,

 

Last year I opened a contract with Orange but a few months in to it my life got tipped upside down. I have been dragged through a police investigation for a year and a bit and it went to trial and my step dad was found guilty of sexually abusing me and my female cousin.

 

I got signed off work because my depression levels rocketed and I was sent to the mental health unit at my local hospital for an assessment, I was put on some medicines to help me deal with the problems and I am still on them and struggling with life.

 

I could no longer afford the contract so I phoned orange and me and an agent agreed to pay off what I can when I can, he said he will put on my credit file “ Agreement to pay “ and the agreement was not broken but after checking my credit file tonight, there is black D' for months with it and they said they would not do it. I am only 21 and it's burning my credit report. I have accounts with Littlewoods & Jacamo and they are all up to date. I have emailed the CEO office for Orange to ask them to change it to what we agreed. Now I know they have helped me and have been very understandable with my problems but they need to understand from my side that it's not doing any good for my file.

 

I only owe £130 but its taking time to clear off as I am having problems trying to deal with things on my own. I have a councillor now and a tenancy support officer and they said they will help me.

 

Can any thing be done about this?

[the_shadow]

Hi,

 

Unfortunately lenders are entitled to report on a debtors payment history. That said lenders are under a duty to treat people with mental health problems with care and consideration but you could argue they have done that with allowing the repayments under arrangement. I think your best chance may be getting your councillor to write and set out the details of your illness but I suspect in the end it wont make a difference I'm afraid.

 

S.

 

Edit: Whilst it may seem harsh to be defaulted, it may help in the end, if you are under an Arrangement to Pay, its reported for 6 years from the last payment made, if defaulted the default falls off after 6 years no matter what.

[the_shadow]

Did you receive any prior warning to your credit file being marked as defaulted? a letter warning they would mark your credit file at all?

[Nottingham1989]

No letters regarding my credit file, no warnings etc.

 

It was a verbal agreement and it is marked on my file yet they have not done anything about it. I do have copies some where I just need to pull them out or ask them to resend them. Hopefully they will be able to do something about it but I wont hold my breath.

[themadcap]

Mobile phone providers don't need to send default notices, they are happy to use the best parts for them of the consumer credit agreement but don't use the bits that support the customer - truly disgusting people

[the_shadow]

Mobile phone providers don't need to send default notices, they are happy to use the best parts for them of the consumer credit agreement but don't use the bits that support the customer - truly disgusting people

 

whilst they dont need a formal default notice, they should as best practice notifiy you prior to marking your credit file with a default. Check out the ICO guidelines.

 

S.

[themadcap]

They should but there is no requirement to do this, as somebody who had 2 defaults filed in 2005 from Vodafone (both due for removal this month - yay) and complained to the ICO on the above grounds the ICO response was that mobile phone operators have no obligation to inform you of this as the original contract makes you aware that all info will be shared with reference agencies and does not carry the responsibilities of a regulated CCA

cheers

[Nottingham1989]

Hello everyone,

 

In July 2010 I was having severe financial problems and I was having problems paying my Orange contract and I ignored it for about 8 weeks and I eventually got a debt collection letter from Orange and there was a number on the letter so instead of calling the agency I called Orange directly instead and I explained everything to them and they were very understanding and they said that I could pay so much a week and for a few months I paid it but then things go even worse for me (Mental Health Wise) and I phoned them again and explained and they said to me that they will pull the file away from the DCA and let me pay off as much as I can and when it's paid off they will close my account.

 

Orange have been brilliant and a year later I managed to get it all paid off and they told me that they will take the default off my credit account and replace all the late payment markers etc to either a Q or another letter so that it did not have an adverse affect on my credit score.

 

Now this is where the problems start, in October of 2011 I received a letter from CapQuest demanding the £137 that was outstanding even though it was cleared off in the summer so I emailed Orange again and they said it was their fault it happened and that they are going to call it back but after checking my credit report today with " Check My File " they have put a default on my report and they shouldn't of done it, it's only on Call Quest, not Experian, Equifax etc

 

This is what it says " The account has been satisfied. The payment status has been reported as in default. "

 

What can I do, I have emailed the Orange credit department telling them of this, I have also emailed CapQuest but I doubt they will reply.

 

Where do I stand legally with this?

 

Any help or advice would be appreciated.

[BRIGADIER2JCS]

In my opinion it is on that particular

CRA because it uses ''2nd hand'' data

this file is unlikely to be seen by potential

lenders.