Sick to death of T-Mobile

rachyrach2k

Hi guys,

I cancelled my contract early with T-Mobile as I had had enough with them and their rising costs (and them not enabling contract cancellations for free even though they have breached). I understood that I had to pay an early termination fee.

Unfortunately, due to uncontrollable circumstances, I was unable to pay it in full. So I rang up T-Mobile on 23rd September and asked them if I could pay some off now and then pay off in full the following month when I got paid. They said this was fine.

A month later on 23rd October I was still unable to pay in full so I again rang T-Mobile and asked them again if I could pay some off and I knew for a fact that I could pay the remainding amount of the following month on 23rd November. Again this was fine.

So at this point I had paid £100 over the 2 months towards the outstanding balance.

I then received a letter from Moorcroft Debt Recovery chasing the outstanding balance. I was livid. This was not mentioned when I had last called up, just reassured that I was ok to call up on 23rd November to pay off the outstanding balance in full.

I fired off an email to T-Mobile but I knew I would not get a response within 7 working days as promised.

I spoke with Moorcroft and told them that I would be paying the outstanding balance in full on 23rd Nov as promised. I also told them that I would not be paying their admin fee because I disputed T-Mobile's actions. They agreed and removed the admin fee. I have now paid the debt in full.

Checking my credit report, T-Mobile is showing that I have missed two payments!! Can this be correct?? I have fired another email to them today complaining of this and have asked them to remove this from my credit report.

Are they right in doing this? I thought that I was being reasonable in my actions. Always making sure to pay some off even though I couldn't pay it all immediately.

What can I do next?

DarkConvict

Yes, it will be classed as 2 missed payments, because contractually by ending you agreed to pay the cancellation fee within 30 days, because you spread it over 3 months by an informal agreement the missed payments are correct. Yes it sounds odd, but what is agreed is considered an informal agreement not an amendment to your service contract with T-mobile.

You could ask T-mobile to remove them, but they were placed correctly, alternatively you could contact the 3 credit reference agencies and ask a note to be put against the account to explain you were cancelling the contract over 3 months and paid in full in that time, not 30 days.