Phone contract help.

Jimi21

Hi,
I took out an 18 month phone contract with T-mobile around a year ago. I was passed on to a debt collection agency in July for not paying my bill. At the moment I still owe the debt collection agency money therefore have no phone services and and not being charged my monthly fee. My contract was due to expire in January but will my contract just pick up from where it left off leaving me with 6 months still to go when i pay off my debt to capquest? Also I get no signal whatsoever in or around my house with T-mobile rendering the phone useless. T-mobile claim this is not there problem and I cant get out of my contract that way. anyone got any advice for me?
thanks

DarkConvict

No and the odds are its not good news at all, you failed to make payments and got into to much of arrears with your bill. What will have happened is the account would be closed and thus a termination fee (the remainder of your contract (this is why there is no monthly fee as they have all been applied already)) will be charged ontop of what you already owed.
In addition a default will have been registered on your credit file for failing to make the agreed payments, the default will last for 6 years.

Once the debt is paid off, that is it. Its paid and thus cleared. You will not receive your phone service back as your account was closed because you did not make payments.

The fact you have no signal, whilst a valid reason within the first 7 days of taking it out for cancelling, it won't apply after unless there was signal but then it stopped, such as a mast been removed. However i cannot see this been a line of enquiry for the above debt as the account would now have been closed.

What paperwork have you received so far, the above is generally what will have happened, but you haven't provided enough details so i have made assumptions. The fact a debt collector has been involved because you failed to pay t-mobile directly, usually means the above is probably what has happened.