Mobile Contracts and Defaults

[DiscoDav]

I'm trying to get a bit of clarification with regards to mobile phone companies and defaults.

 

I have two defaults on my credit file with equifax for 02 and Three

 

I asked for copies of the default notices and got the response that they don't have to supply them as they are not covered by the CCA.

 

If they aren't covered by the CCA, how can they enforce a default for 6 years on my credit files (which is regulated by the CCA) and not have to remove it when they full balance has been paid?

 

Thanks

[dx100uk]

theres no requirement

within or out side of the CCA

that says a default must be removed if you settle a debt

no matter what type of debt.

 

dx

[DiscoDav]

Yeah, i understand that, i guess what i'm trying to get at is that if they can default you, but not tell you about it and they are not answerable to anyone like the CCA, then how is someone meant to fight or even respond to that?

[dx100uk]

it depends on the way you operated your account.

 

theres no direct relationship between the issuing of any dn

or default letter as to if they do actually mark the account as defaulted.

 

it could also be that the account was marked late or no payment

for more than 6mts and the cra file auto changed the account status to d or 8 defaulted.

 

like it goes 1,2,3, etc.

 

p'haps outline what happened in your case.

 

dx

[DiscoDav]

The one with three was the classic one that you always seem to read about that the contract was over and i paid what i thought was the final bill, and it ended up that it wasn't. i'm actually dealing with them right now, and they seem to be pretty helpful.

 

O2 is the one that i can't seem to get through to

- I lost my job and they eventually gave me a letter stating

that if i didn't pay by a certain date that the account was going to be cancelled,

 

i called them on that date and paid the outstanding balance,

and was told that the phone would be reconnected and that would be that.

 

The next morning, i received a bill for well over £2000,

called them and they said that it was a mistake and that the line would be reconnected later that day - it wasn't.

 

I left it a few more days and called them back,

they told me that the account was closed and there was nothing that could be done about it.

 

months later i received another bill for the disconnection fee of £2000,

spoke to them and they said as a matter of good faith they would take the 900ish

that i had already paid and leave it at that.

 

Years later, i check my credit file and find a default for the 2000+ marked as settled.

 

How can they tell me in one breath that they will reconnect the line,

then at the same time slap a default on me without even telling me?

[dx100uk]

so at some point you were in arrears with them.

 

if this was not for 3mts ideally they should not be marking the default.

 

have you tried the obv route of a polite email to the CEO dept?

 

asking nicely for the neg data to be removed as you paid?

 

I think £900 is outrageous and £2000 even more so.

 

what the hell was the bill made of?

 

dx

[DiscoDav]

To be honest i can't remember what the 900 was made up of, but i know that the 2000+ one was a cancelation fee and that was over a year in to an 18 month contract. i don't have any of the paperwork relating to it anymore, as it was in 2010, and if I'm completely honest, i was a complete idiot child then.

[DiscoDav]

CEO Dept?

[dx100uk]

the boss!

 

dx

[Dot1]

Sorry to hijack the thread, just out of interest, does it mean that Mobile companies do not have to prove if they were to take one to court by showing that an agreement existed or what the amount being claimed is made up off? etc.. As in other credits, CCA is vital, what would it be in the Mobile communication world? It would be interesting to know if anyone has got an idea. Dot

 

it depends on the way you operated your account.theres no direct relationship between the issuing of any dn or default letter as to if they do actually mark the account as defaulted.

 

it could also be that the account was marked late or no payment

for more than 6mts and the cra file auto changed the account status to d or 8 defaulted.

 

like it goes 1,2,3, etc.

 

p'haps outline what happened in your case.

 

dx

[dx100uk]

not your thread...

 

 

mobile phone operators don't do court or very rarely.

 

 

they asell it on

and dca's do the court.

 

 

and 9/10 the defendant never contests it.

 

 

of course the claim has to be substantiated

but prob by statements under a cpr request.

 

 

which is why 9/10 if the claim by the dca is defended they run away

 

dx