Advice with dodgy mobile phone contract

Bundy_2

Can't find a good forum to post this, but it's realted to credit cards so here goes...

To cut an 8 month, extremely long story short, I was flogged a mobile phone contract with 3 mobile via a cold-call from an agent called Communications Direct. It was a ‘too-good-to-be-true’ offer that I should have seen coming, but upon opening the box, was a pack of lies. I complained and was told to return the phone via a courier (would have cost me a shed load and was very skint at the time due to new baby in the house!) so sought help from Trading Standards. They told me I was not liable for return costs and wrote to CD on my behalf, explaining this and that I was covered un the Distance Selling Regulations. They kept very quiet and did nothing.

Anyway, the phone never got returned and Three sent out the debt collectors as I didn’t pay any bills. I’ve kept in good contact with three and the debt collectors but neither of them listened. It then went to a solicitor. I explained the legal side to them and it’s all gone very quiet. Not heard anything for about 4 weeks.

Right, one of my credit cards has reached the end of its 0% intro offer to its time to switch. Had a right shock when I got refused a credit card (1st time ever) so rang to see why. They said it was due to my credit score and when I looked on Equifax, I’ve got a massive red mark “3 missed payments” and what looks like a defaulted account – Yep, all to do with Three.

What I want to know is how I can get this mark removed. It’s costing me money every month in interest on my credit card that I cannot switch due to this mark.

Any help would be appreciated.

Many thanks

crazyfj

I would try and resolve the issues with three and ask them to amend your credit record asp.

in the short time you could add a notice of correction and explain that you do not agree with the information

you can also (via Equifax) dispute the information three are supplying, any lenders that do a credit check will see that you are disputing the information.

fj

ps if you do add a notice of correction it means that from my experience when a credit check is done it is always referred

Bundy_2

Thank you, I didn't know this. I will write to Three and Equifax first thing tomorrow.