Mobile Phone missed payment

Debt-Free-Dave

Hi all,

I was hoping someone could offer some advice in regards to a missed payment for my mobile phone contract. To be honest, I have accpeted that I could have handled the situation a lot better, though I still want to pursue this if there is any point.

The situation was that I was moving to another mobile phone supplier. I called T-Mobile to inform them of this, arranged to make a final payment, which was made, and then got on with my life with my new phone. Unfortunately T-Mobile effectively 'charged' me for a following month, despite me being informed verbally (i know, i know) that I would not. This got passed on to a debt collection agency becuase I refused to pay. The agency offered me a reduced settlement (50%) and I finally accepted that it was time to let go and I paid. A strange thing then happened when T-Mobile called demanding the rest of the payment (the other 50%) which I refused to pay, and they offered me as 'good will' to write off the other 50%.

Now, unfortunately this is showing as a '2' for 2 missed payments on my experian credit score. I have asked T-Mobile to amend this, and they have refused. Do I have a leg to stand on in terms of getting this rectified? I felt I acted on advice from a T-Mobile agent over the phone, and I have been stung for this.

If this is not reversible, how bad is a '2' on my credit record? Will obviously be there for 6 years now, and now that I am getting more credit worthy, and considering a mortgage over the next 2-3 years I am a little concerned (all for the sake of £15!!!)

Thanks for your help,

Dave

HappyMJ

Nothing to worry about. Mortgage lenders do seem to understand that final payments on mobile accounts can can awry so they do tend to ignore them.

Debt-Free-Dave

Ah, thats a relief anyway! I wasnt clued up enough to be honest. I didnt even know they were creditors (rookie mistake there). In which case they would have been paid almost immediately!

camuk81

Dave, If its the first one make sure its the last one.

A small hiccup is fine just not to many (says I the voice of far too many late payments)

If this is the first in 6 years well done, keep going onwards and forward and everything on time.

Debt-Free-Dave

Thanks camuk. I did miss one payment with another account, though that one blatantly was my fault, and is a current supplier so will drop off in about 18 months luckily.