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3 mobile default

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Comments

  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
    LplateSaver wrote: »
    Wow thanks for that, I wouldn't have thought of it.
    Most people don't know they exist, and usually they won't help you out unless they've contacted you personally. But if you explain your frustration and they can see that you've tried to get this sorted repeatedly, they're really happy to help.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • modder25
    modder25 Posts: 130 Forumite
    thebritishbloke wrote: »
    Phone the 3 Executive Office on 0800 358 9042. They're based in Scotland, and even though you've not dealt with them before, if you explain your frustration you should be able to get it sorted through them. They have a lot more power than any of the other call centres.


    Hi thebritishbloke...

    I cant thank you enough for this information you have provided, I never knew they existed either. I phoned them yesterday and today I have had a phone call to say they are removing the default from my credit reports.

    I will surely have a good weekend now.

    Thanks again and good luck to anyone else using this useful information :)
  • LplateSaver
    LplateSaver Posts: 351 Forumite
    modder25 wrote: »
    Hi thebritishbloke...

    I cant thank you enough for this information you have provided, I never knew they existed either. I phoned them yesterday and today I have had a phone call to say they are removing the default from my credit reports.

    I will surely have a good weekend now.

    Thanks again and good luck to anyone else using this useful information :)

    Wow how did you get them to agree to that?
  • modder25
    modder25 Posts: 130 Forumite
    LplateSaver wrote: »
    Wow how did you get them to agree to that?



    I explained that I actually didn't use the equipment and that I took it back to the Phones4U store the next day. Phones4U were meant to notify 3 to cancel the agreement but never did and I ended up paying for 1 month a few months later when I was chased by a debt collector.


    I only found out about the Default a little while ago and it is over 5 years old now so would have dropped off next year but I believed I should never have had it in the first place and especially for such a stupid amount of £34.00.


    The customer services department didn't accept my case at all and said that they would not be changing or removing the default. However with thebritishblokes advise on your thread for the Executive office... they sided with me and agreed that I was mistreated and agreed to remove it within 28 days.


    I have since had the email from them confirming this too.


    Good Luck
  • cifpower
    cifpower Posts: 6,502 Forumite
    I have realised I am in the same situation.

    After getting my credit report, 3 lodged a default against me for £92 in 2012. It was a damaged phone I was meant to return but forgot. And then I moved house and got a new 3 contract.

    So they have offered to recall the debt from Past Due Credit, clear the balance and mark the default as satisified. Which I am happy with and it was my stupidity anyway.
  • modder25
    modder25 Posts: 130 Forumite
    cifpower wrote: »
    I have realised I am in the same situation.

    After getting my credit report, 3 lodged a default against me for £92 in 2012. It was a damaged phone I was meant to return but forgot. And then I moved house and got a new 3 contract.

    So they have offered to recall the debt from Past Due Credit, clear the balance and mark the default as satisified. Which I am happy with and it was my stupidity anyway.

    Did you call the same number as I did?

    They were so helpful and very understanding.
  • cifpower
    cifpower Posts: 6,502 Forumite
    modder25 wrote: »
    Did you call the same number as I did?

    They were so helpful and very understanding.

    No. I put my complaint in online. I was called two days later by India and then the next day by the Executive Office.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    make sure they don't change it to all missed payments, instead of the default as this can be worse
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • cifpower
    cifpower Posts: 6,502 Forumite
    chanz4 wrote: »
    make sure they don't change it to all missed payments, instead of the default as this can be worse

    I have it in writing what they will do and I will check next month when my free credit report updates.
  • Bonfire_Bride
    Bonfire_Bride Posts: 713 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    cifpower wrote: »
    I have realised I am in the same situation.

    After getting my credit report, 3 lodged a default against me for £92 in 2012. It was a damaged phone I was meant to return but forgot. And then I moved house and got a new 3 contract.

    So they have offered to recall the debt from Past Due Credit, clear the balance and mark the default as satisified. Which I am happy with and it was my stupidity anyway.

    Wow..that is seriously understanding of them...considering you still had their property which was never returned.
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