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MisterG2012

Mobile company and unfair "late" marks on credit report

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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 :-x

 

Thanks in advance

Edited by MisterG2012

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which company please.

 

dx


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1. Check your bank to see if the DD was set up, my guess is that this is automated reporting, so you need to make a complaint to the DATA CONTROLLER of the simcard issuer.

2. Place notices of dispute on the CRA FILES.

3. It would be worth a call to the ICO for a view on the fairness issue.


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hi,

 

Just wondering if you were able to do anything?

 

I had something similar with Next directory where a missed payment of £17 ended up on my the credit report.

 

cheers

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hi,

 

Just wondering if you were able to do anything?

 

I had something similar with Next directory where a missed payment of £17 ended up on my the credit report.

 

cheers

 

 

thread is 2yrs old

 

 

you need to start a new thread

 

 

of your own


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1811 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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