T-Mobile defaulted account

blt

Hi, I wondered if anyone was able to give me some much needed advice about a t-mobile account which I defaulted on about a year and a half ago. I had it when I lived at my old address (parents) and one month received a massive bill, panicked and basically avoided it. When I moved out, I really just completely forgot about it as I'd swapped phone providers to someone else.

To cut a long story short, I'm in a right pickle with money and got a copy of my credit record (appalling) which shows a defaulted account with T-mobile. The original bill was about £200 from what I can remember and it's showing now as nearly £450. I really want to get rid of this but can't afford to pay it and secondly I'm scared of contacting them in case they start further proceedings against me. One of my friends said that you can make 'offers' with this kind of thing but I really don't know what to do or how much they would realistically accept.

I'm so worried about this and having been panicking over what to do. I'm really tryig to sort myself out so any help anyone can give me would be brilliant. Thanks

sockpuppetuk

If I were you I would contact the citizens advice beaureau .. they have people well informed on this type of thing and will help you out with all your money problems.

skintscotsman

by now T-Mobile would have sold the debt to a Debt Collection Agency (DCA) who, by now, should have chased for for that sum and I am very surprised they haven't.

I used to work for T-Mob Cust Services and that was the usual process. T-Mobile will not want anything to do with you now as the DCA should have approached you by now.

It will be the DCA that you make a payment arrangement with - the best thing to do is to find out which DCA T-Mobile have given the debt to (it varies depending on which part of the country you live in). I imagine the DCA will then ask you for the full sum and all you have to do is say you can't pay it all at once and they will make some payment arrangement with you.

I'd advise you to do this as soon as possible though.

I'm very surprised that a DCA hasn't been in contact with you though; do you get mail forwarded from the old address?

Anyway - don't fret - you've turned the corner now by wanting to sort all this out.

blt

I haven't had mail forwarded from my old address but it's a friend of mine that now lives there and nothing from a DCA ever went there. I'm really worried about contacting them with an offer in case they just say 'no' and send bailiffs round to my house or something. Do these DCAs ever just accept a smaller amount in full and final settlement? My original intemtion was to save up about a hundred pounds and make them an offer. Sorry to be such a pain but I don't know what to do for the best