Hutchinson 3g default on credit report

c0nfused2014

Hi,

In my effort of making sense of the mess that is my credit file, I have noticed today that I have 4 closed accounts and one of those appears to be default.

I was shocked to see this, as even though I remember having an account with 3 mobile in 2012 I do not remember having any issues with them. It was a 3Gsim card for an iPad which I had to cancel because after a couple of months of taking out the sim I have moved to a basement flat where I had no network coverage at all, therefore continuing paying for the service I didn't get did not make sense.
As far as I remember this was a monthly rolling contract of some sort as I do not recall having any issues cancelling it. I remember paying the final balance and that was it.

That is why I can't understand the default note on my file coming from them. I have actually called their customer service today and the guy initially said it must be a mistake as I only had one account with them which was closed in 2012 and looked fine. Then he put me on hold for a couple of minutes and came back to me saying that actually yes, the default note on my credit report reflects the way I have managed my account with them:shocked: Apparently I paid the January or February bill in March.

He kept apologising saying there was nothing he could do and that they were happy with having me as a customer and would like to have me back and I should probably take this out with the credit agency (i.e Experian).
I said it wasn't just a credit agency but all of them and tried to explain how frustrating this was as I really don't remember being a bad customer at all, once they have called me to claim the balance I have paid and thought no more of it.
Did not expect this at all. I do not remember getting any reminders or notices of a default account at all!

I have had issues in the past where I was late with an O2 payment for 2-3 months and this shows as a 2 or 4 on my credit report. With them there are lots of OK, then 1, D and SF

Default Balance £30 Default Date 20 March 2012 Default Satisfied Date 27 March 2012 Not Reported Account Holder Status Normal Account StatusDefault Reported Until March 2018

From your experience, is this practice normal? Is there anything I can do about it?

Any help appreciated!

thebritishbloke

It's truthful information, so there's no legal way of them getting rid of it.

Take it as a lesson, always have a direct debit set up to pay each month. Especially with credit cards, always have it set up for at least the minimum. People rely too much on logging on and paying by debit card, until they forget one month and then this happens.

c0nfused2014

But should I not have been at least 3 months late to have a default?
Can they do it after 1 month?