Are T-Mobile been fair ?

talkalot

I recently posted about a friend who had a mental disorder and had taken out multiple mobile phone contracts. Well to give you a update, Vodafone took all but one phone back and left him with one to use. The other contracts were written off but settled. Orange took all the handsets back and closed the account. Once again on my friends credit file it will show as settled. This leaves T-Mobile. They will not accept any of the handsets back. They are willing to close the account and not chase my friend for the money but they will also put a default on his credit file. Its either that or try and find the £2500 to pay of the line rental. I know my friend took out the contracts but when the other networks have been so good about it T-Mobile response seems very mean.

Inner_Zone

Seems fair to me after all they are in business to make a profit and writing off £2500 is a big hit. Also the default should mean he / she may not be able to get credit for sometime so won't be able to get into this situation again, at least for a while.

Jon_01

Have to agree with InnerZone. The black marks on his credit file will help stop this happening again, which looks like it might be a good thing in the long run?

DUTR

As per post #2 + #3, he wont do it again, mental disorder or not, there are others that cope, so why should your friend not either?
saying that, that is a lot of calls in 'no time at all' £2500 is like 8-10yrs for many users.

Hammyman

talkalot wrote: »

This leaves T-Mobile. They will not accept any of the handsets back. They are willing to close the account and not chase my friend for the money but they will also put a default on his credit file. Its either that or try and find the £2500 to pay of the line rental. I know my friend took out the contracts but when the other networks have been so good about it T-Mobile response seems very mean.

Sounds like an excellent solution. Your friend keeps the phones and gets such an abysmal credit rating they won't be able to get into the same position again for the next few years.

Your friend sounds like the kind of person who would be better off with a horrifically bad credit rating just to save them from the finance companies who prey on people.

Kay_T566

Inner_Zone wrote: »

Seems fair to me after all they are in business to make a profit and writing off £2500 is a big hit. Also the default should mean he / she may not be able to get credit for sometime so won't be able to get into this situation again, at least for a while.

Surely T-Mobile would have stopped put a stop on the account after hitting £500...or am i wrong in saying that?

I thought they worked the same as banks, misuse and they give you a call to confirm

Guys_Dad

Kay_T566 wrote: »

Surely T-Mobile would have stopped put a stop on the account after hitting £500...or am i wrong in saying that?

I thought they worked the same as banks, misuse and they give you a call to confirm

No. You are wrong.

Getting back to the main point, having to manage the affairs of a relative with similar problems, can I say that when his credit record was blacked and when he got a CCJ, I said a silent prayer of thanks.

So I am writing from a position of direct parallel experience.

This is one instance where having a trashed credit record is a benefit. I hope you can see that. If not, then I have to say that my suspicions could be raised as to why you would want him to be in a position to recreate the previous matter you wrote about. A great deal of money has been written off because he was allowed to access credit.

I can see no reason whatsoever as long as he is still in the same vulnerable position not to protect him - not to mention some perfectly innocent businesses - from himself.

mobilejunkie

I also agree - my thoughts were already written by the rest of you as I scrolled down the page. I am no fan of T-Mobile, but it seems both more than fair and should protect not only the person in question but also other organisations from getting into a similar situation in the future. After all, someone has to pay for the lost revenue and he obviously can't. Why should he keep a pristine credit history for other parties to lose their money too - apart from ensuring he can't cause such problems for himself and his friends in the future?

arielcohen

I bet now your thinking why didn't the other companies act like T-mobile and let you keep the handsets