T mobile has ruined my credit report

lightraven · 21 November 2009 at 10:24PM

I recently checked my credit report because I applied for a personal loan which I have since recieved. To my surprise I saw that t mobile has been defaulting me becaus I owed them 40 pounds after I switched to another operator. The thing is they never told me and never wrote to me about this so I had no idea I owed them the money, they have been defaulting my report for three years!

When I found this out I called them and they have since totally removed this from my report as if it never happned, I see this as an admition of guilt since they told me all they would do is put on my report it had been settled and write it off.

I would lik to know what I can do since I would of got a better deal if I would hav

olly300 · 21 November 2009 at 11:40PM

How much money have you lost out on?

Can you prove it?

If so you can take T-mobile to court.

lightraven · 21 November 2009 at 11:52PM

I Can prove it and in my opinion by removing all reference to it on my report is an admition of guilt by them because from what I have seen on this site it's pretty hard to get a lender to do that.

I would like some real advice on this, if I do take them to court what are my chances cos it's probably cheeper for them to just pay my loan off??

Can anyone tell me if they have broken the law?

They did refer it to a debt collection firm but they sent it back to them cos last time they did that the firm sent me a letter to the wrong address and I got them on breach of data protection and the debt collection firm ended up paying me money, from what I can tell this is the reason why the whole thing got lost in the t mobile system for so long.

citizenx_2 · 22 November 2009 at 12:00AM

Pay your loan off? Much as i am not a fan of T-Mobile, that's nothing but greedy.

If you can prove you were refused a loan which would have been cheaper to repay, then perhaps there is a moral case for paying the difference. That said, I think you'd have a long tough fight on your hands.You may suggest it would be cheaper for them, but ultimately, it would set a precedent and create a rod for their own back. Who knows how much people might claim they are liable for.

As far as i'm concerned, its probably not something worth making the effort over. You took up a loan by choice, nobody forced you.

scrounger_2 · 22 November 2009 at 12:01AM

Join the club, mobile phone operators are famous for doing that sort of thing.

olly300 · 22 November 2009 at 12:06AM

There are threads on this forum - you can search for them I'm not doing your homework for you - where 2 people are taking companies to court for mucking up their credit file.(They are both in Scotland but there are applicable laws in England and Wales you can use.) In each case they lost out on mortgage deals and could work out the amount of money they lost.

If you can't prove that you have lost out on any money and the amount you lost out on then you don't have a court case. Simply saying you could get a cheaper loan doesn't give you a case. Having paperwork that shows that you were turned down for a loan at x% but given a loan at a higher y% due to your credit file means you have a case.

And only a judge can rule if someone has broken a law or not, which is tested in court.

lightraven · 22 November 2009 at 12:31AM

Thank you guys.......Ok so yes maybe paying the loan off is a bit unrealistic but I would of got a better deal on my loan if they didn't make this mistake plus I've had two credit cards which were high interest cos of this and I had them for two years.

Please note t mobile put up no argument and I have requested all the letters and digital recordings for the last 6 years, which they have to supply by law.

Thanks for the info

speedbird1973 · 23 November 2009 at 11:20AM

You didn't pay the money, you got a default. You sorted the issue out with them and they removed it. It's how the system is supposed to work. You'll get what you deserve.. nothing.

ILW · 23 November 2009 at 11:41AM

lightraven wrote: »

Thank you guys.......Ok so yes maybe paying the loan off is a bit unrealistic but I would of got a better deal on my loan if they didn't make this mistake plus I've had two credit cards which were high interest cos of this and I had them for two years.

Please note t mobile put up no argument and I have requested all the letters and digital recordings for the last 6 years, which they have to supply by law.

Thanks for the info

How much have yoi actually lost?

MrsTinks · 23 November 2009 at 11:41AM

But ehh.... why didn't you check your credit report earlier??? If you couldn't get cheap credit then shouldn't you have checked your file at THAT point? Not 2 years down the line...
Just because T-mobile removed the default doesn't mean anything - you could have gotten a helpful person on the phone who had a good nights sleep, just got their bonus and was going on holiday next day and simply felt like being nice.
You had the default removed - rejoice and move on.

[Deleted User] · 23 November 2009 at 12:40PM

I'm afraid you're barking up the wrong tree.

Firstly, as someone else has said, you need to have quantifiable loss.

YES: you're possibly (note: possibly) right in suggesting that had T-Mobile not whacked all these defaults against you then you would have got a better rate, but I'm fairly confident that the lender won't tell you what that rate would have been, as that would expose their scoring (partly). The only way you'll know what rate you would have got would be to actually apply, not speculatively apply, if that makes sense.

Even if you could demonstrate this, then you are contributorily negligent by not checking your credit report and keeping checks on this. You left it three years: if someone makes a mistake, then you should have checked more frequently to notice it before you made applications.

I really don't think you will have suffered much of a loss, I'm afraid - and you'll find it impossible to quantify unless your lender is willing to reveal what the offer would have been without the default, which I very much doubt they'll do.

T mobile has ruined my credit report

Comments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free