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Default with no letter!

edited 30 July 2013 at 1:20PM in Credit file & ratings
14 replies 1.1K views
jojo9239jojo9239 Forumite
322 Posts
edited 30 July 2013 at 1:20PM in Credit file & ratings
Hope someone can help :(

Ok to cut a looooong story short, I moved home in Oct 2012 and rang Orange to inform them of this move. I them closed my Orange account down in November asking them several times do I owe anything which I got no nothing everything is fine. I kept loggin in until I couldnt due to me terminating my contract.

Anyway fast forward 6 months and yesterday I logged on to check my credit report and found a default on there from Orange! I rang Orange who said it had been passed over to debt agency (the sum was £27) I told them I have had no letters about this have you my new address. To which they said I cant take to you about it ring agency. So after a sleepless night I rang them and paid the grand sum of £29 and asked how I could remove this default as I have had no notification of it. They informed me to ring Orange.

So rang Orange and tbf the guy was good and did say sorry it appears you did tell us of your new address but we didnt update your billing address where all the correspondense has gone too but my new address was noted as the account address. He agreed that it was an error on there part and put notes on my account to that effect. He informed me to email there credit referencing team and he would put notes on there to support that this is removed. I have sent them a lengthy email this morning.

I am gonna be in the process of applying for a mortgage in a few months with my partner and apart from this £27 I have never defaulted on anything in my life and my rating was good.

What are the chances of me getting them to clear this seeing as I have never had notifications or letters of this outstanding sum?

:mad::mad::mad:

Thanks again for reading
«1

Replies

  • You-kipYou-kip Forumite
    499 Posts
    No good you contacting the CRA's as Orange are the only ones who can remove the Default.
  • jojo9239jojo9239 Forumite
    322 Posts
    Thats who I have emailed oranges credit departments (well EE)
  • kellyt86kellyt86 Forumite
    174 Posts
    It sounds like they will remove it as they've admitted fault.

    Put it In as an official complaint and refer to ombudsmen if they don't respond within the timeframe.

    Had similar thing with Halifax (Missed payment markers rather than default) but they removed it within a week.

    Good luck!
  • DevCoderDevCoder Forumite
    3.4K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker
    Mobile phones (and thus their providers) are not (for the large part) covered under the CCA, the OFT lists a few parts of a mobile phone contract that are (Network access, inclusive minutes & texts).
  • jojo9239jojo9239 Forumite
    322 Posts
    krisdorey wrote: »
    Mobile phones (and thus their providers) are not (for the large part) covered under the CCA, the OFT lists a few parts of a mobile phone contract that are (Network access, inclusive minutes & texts).

    They have a communication ombusman which I am prepared to write too. I have been tarnished by a default because they couldnt be bothered to probably populate another field ! :(
  • izoolsizools Forumite
    7.5K Posts
    Well hopefully when you send a letter via recorded delivery to the EE credit referrals team outlining what you've posted here they will remove the default from your credit file.

    Don't sit on it though as it will take them upto 6-8 weeks to action your request.
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • As said, follow up in writing ASAP.
    :beer:
  • jojo9239jojo9239 Forumite
    322 Posts
    izools wrote: »
    Well hopefully when you send a letter via recorded delivery to the EE credit referrals team outlining what you've posted here they will remove the default from your credit file.

    Don't sit on it though as it will take them upto 6-8 weeks to action your request.

    Yeah i have emailed i got an automated one saying they would respond within 7 days x
  • Technically, they can update your credit report instantly ish.

    As they have admitted fault, I would give them 2 weeks to remove as you want to get a mortgage and any issues because of this you will be seeking compensation from EE.
    :beer:
  • McKneffMcKneff Forumite
    38.6K Posts
    Part of the Furniture 10,000 Posts Name Dropper
    Forumite
    I normally hate the compensation road, but on this occasion, I would demand some.

    HSBC did the same thing with my daughter, removed the default and gave her £100 compensation.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
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