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6 year old mobile phone bill!
daveb80
Posts: 165 Forumite
Hi,
Firstly, apologies if I have posted this in the wrong place. I am not sure where to go with it!
Basically my wife had just received a final letter from 3 mobile saying that she has an upaid bill ..... from 2005! It's only £8 so nothing at all but she has never been advised of this since then. She has since even had another 3 phone contract but on a different number and they never ever mentioned this bill.
As it got passed to a debt agency she has paid it immedietely as soon as she saw it but I am pretty frustrated with 3 as she never ever was notified of this outstanding balance until this letter came through.
My worry now is, has it affected her credit rating? Would it mean a default? She's not had notification she has defaulted? We're planning on getting a mortgage very soon so this is a little worrying!
Firstly, apologies if I have posted this in the wrong place. I am not sure where to go with it!
Basically my wife had just received a final letter from 3 mobile saying that she has an upaid bill ..... from 2005! It's only £8 so nothing at all but she has never been advised of this since then. She has since even had another 3 phone contract but on a different number and they never ever mentioned this bill.
As it got passed to a debt agency she has paid it immedietely as soon as she saw it but I am pretty frustrated with 3 as she never ever was notified of this outstanding balance until this letter came through.
My worry now is, has it affected her credit rating? Would it mean a default? She's not had notification she has defaulted? We're planning on getting a mortgage very soon so this is a little worrying!
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Comments
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was the letter from 3 or some debt collector calming to represent them.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
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If the debt was hers and was from 2005 it probably had a default dated back in 2005 or 2006 - she needs to check her credit files to see if there is any mention of the account or a default.
If there isn't then either it wasn't her debt or the default was more than 6years ago and so has already 'dropped off' her credit file.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
was the letter from 3 or some debt collector calming to represent them.
It was 3 to start with, so my wife called the 3 customer services (she obtained the number via their website instead of the letter just incase) to confirm it was legit. Then it was from the debt company afterwards.0 -
If the debt was hers and was from 2005 it probably had a default dated back in 2005 or 2006 - she needs to check her credit files to see if there is any mention of the account or a default.
If there isn't then either it wasn't her debt or the default was more than 6years ago and so has already 'dropped off' her credit file.
Perfect thanks! I will get her to check her Credit files tonight and check.0
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