Stuck with a Default they 'wont let' me pay

PJ.

Hi,

I have a default on my credit report from T-Mobile which has been there without my knowledge for about two years. It's certainly my own fault, I changed address, thought I notified T-Mobile and then a few months later neglected to pay the last months line rental on a line I didn't use (hence the forgetfulness) However I never received any correspondence from them (I now know because they had the wrong address) I continued to forget about it until getting turned down for credit recently.

Up to this point, I accept responsibility and have been trying to sort this out. They claim I owe them £250 including the line rental and various none-payment/"early disconnection" fees, which I'm happy to pay, but that's where the problems start.

I contacted T-Mobile to pay my bill, they said they'd sold it to a debt collection agency called Capquest. I contacted them, and they assured me it was T-Mobile I owed the money to. This went back and forth another two or so times until I wrote a letter to Capquest describing the whole thing. They wrote back to me with again saying it had been sent back to T-Mobile. Now I had some written proof, I sent the letter (and not a photocopy, idiot) to T-Mobile.... to which no reply. I've written again, I've phoned, no one can help.

I've heard that it's somehow illegal to prevent someone paying off a debt, is this true? I've been trying to give someone my money for about 8 months now and no one seems to want it, just like I don't want this default on my back!!!

Can anyone help? Is there any action I can take against T-Mobile for not letting me pay?

Thanks in advance

ejc81

PJ. wrote: »

I've heard that it's somehow illegal to prevent someone paying off a debt, is this true? I've been trying to give someone my money for about 8 months now and no one seems to want it, just like I don't want this default on my back!!!

The bad news is your stuck with the default whether you pay or not! It will stay on your credit file until 6 years after the default date. Have you checked your credit files to see if it definately was T-mobile that issued the default?