T Mobile default we don't owe

Broken_hearted

T mobile has put a default on my husbands account for a phone shut down in 2003. This phone was fully paid but t mobile want £71 we don't owe. I know its only £71 and it could be paid. However the extra damage this is doing to his credit file will end up costing more and if we pay it, it will encourage them to do it to more customers.

hypno06

I don't know the answer, but could you pay it, to get it off your back, so to speak, and then take up the formal complaints procedure to get it refunded and to get your credit file corrected - if necessary going to the ombudsman.

We had to do this with one-tel - all for the sake of £9.71, so we paid it and then started the laborious complaint - and got there in the end with nothing marked against us.

PITA to say the least, but I am not sure what else to suggest.

LilacPixie

I would write to T mobile. Formal complaint. the OFT guidance states somewhere that its unfair to register a default against a customer after a 'reasonable time' I think they say 6 months. Fermi has linked to it several times. I'll try find it in a second.

Add a note to your OH credit file stating the default is strenuously denied and is subject to a formal complaint and take it all the way to the information commissioner.