Orange Sim Only deal from 2012- both orange & Lowells Defaulted me.

[coco74]

Hi All,

 

After enquiring about a Sim Only deal from Orange in 2012 a Sim Card was sent out to my address apparently, nothing was used on the account.

Talktime or texts etc as I never received it.

 

I only found this out when I went for a mortgage and a £122 default was on the account (did not show on Experian but did show on Equifax).

 

I rang Orange and after many discussions I decided to pay the amount and the default was settled as of Jan 2014,

Orange where helpless & Useless. Case closed??

 

Wrong,

apparently there was a termination Fee applied to the account after I had Settled the £122

so another Default appeared with Lowell Portfolio and it was £122??? Bemused much, I was.

 

Again I contacted Lowell and same again Useless and in order for me to gain credit paid the default and asked for it to be removed.

No such luck.

 

Now I am on the warpath and have gone both barrels to remove the defaults and get back what I shouldnt have paid out in the beginning.

 

My credit Report reads as follows.

Orange

- Start Date 31/08/2012

Default Date 03/04/2013

Amount £122

Settled 08/01/2014

 

Lowell

- Start Date 31/08/2012

Default Date 03/04/2013

Amount £122

Settled 16/10/2014

Very similar accounts indeed,

 

they said there was a termination fee applied and therefor another default arose as I didnt pay the fee,

the dates don't add up or is it just me?

 

Please join in,

freely let me have youre advice and what you think.

 

We pay a monthly subscription to get the correct information and its wrong,

the big companies have us over a barrell and we either pay up or risk notgetting what we work hard for.

 

I am still waiting for the mortgage and begrudge paying extra interest and another 5% deposit because someone got it wrong

 

Mr Grumpy.

[obiter dictum]

Shooting from the hip so just my opinion

 

I was under the impression the contract for a mobile phone is only activated as soon as you put the sim into the phone and activate it through the network signal?

 

If you never had the sim you have no contract

 

I might be barking up the wrong tree but just a thought

[coco74]

Shooting from the hip so just my opinion

 

I was under the impression the contract for a mobile phone is only activated as soon as you put the sim into the phone and activate it through the network signal?

 

If you never had the sim you have no contract

 

I might be barking up the wrong tree but just a thought

 

I was under the same impression, I have gone back to Orange and Lowells individually and think I have a very good case.I appreciate your input.

[dx100uk]

lowells cant add a default themselves

 

 

dx

[coco74]

Hi all,

 

 

in 2012 I enquired about a Sim card with Orange/EE.

 

 

in 2013 I applied for a mortgage but was refused due to a default,

the default was from EE Orange everywhere for £122 for the sim Card.

 

 

I rang them and subsequently paid the amount.

After a time I enquired about my Credit rating only to find it was poor,

I dug a little deeper and found I had 2 defaults on there.

 

 

The first was for Orange everywhere EE for £122 and the Second was from Lowell Portfolio for £122.

 

 

Both had the same start date and default date and delinquent balance.

 

 

Both have been settled

 

 

.I am trying to sort this mess out as I beleive that you cannot have 2 defaults for the same bill?

 

 

Any Advice please.I have already written, emailed and rang EE but no joys.

[coco74]

Hi,

 

 

i was using Experian for a while and showed V Good credit

 

 

when I failed to get a mortgage I used Equifax and found 2 defaults(for the saame bill).

 

 

Experian are useless as the score isnt right.

 

 

Equifax dont fair much better IMO,

 

 

i havent had a repayment issue for 32 months but my assessment is poor???

 

 

.I had a default removed and my score went down???

 

 

. I have only 2 searches within 12 months and 1 default so I am not expecting V Good

but i do expect it to be right for £14.95 per month

 

 

.They have sent me a reply to my question but it means nothing as they dont explain fully why my score has decreased when my credit is better.

 

 

ClearScore shows you everything and is free, no card details needed etc.

 

 

Guess who provides ClearScore with the credit info????

 

 

Equifax.

May the lord help us.

[renegadeimp]

Please dont necro threads that are almost 6 years old. Start a new one.

[coco74]

Too Late.

[dx100uk]

you can and the defaults are there for 6yrs paid or not.

 

 

you got had by paying them

 

 

makes no odds

[coco74]

you can and the defaults are there for 6yrs paid or not.

 

 

you got had by paying them

 

 

makes no odds

 

Chocolate fireguard springs to mind.