Help - False past debt from T-mobile demanded by Lowell and affected credit report

psod

Hi Everyone,

Please help with the following trouble:
About couple of months ago I have received letter from company called Lowell asking to pay debt of about 29 GBP, which I supposedly owe to T-mobile /EE. Since I am certain I do not owe anything I thought the letter is some kind of scam.
However, recently after checking my credit report I have found that there is recorded default from “T-Mobile brought to you by EE” in the value of about 29 GBP. I believe the records may have appeared retrospectively since I would certainly notice such a thing much earlier.
Regarding my T-mobile contract: In May 2012, I have ended my one moth rolling contract with T mobile and then moved out of the country. Several months later I have returned and started to live at different address. I have never received any communication from T-Mobile and never been in touch with them since ending my contract. The debt seems to be from couple of months following cancelation of the contract when I was already out of UK and could not possibly use the phone nor the contract existed anymore. Btw, I made sure I cancelled the contract on time.
I believe, I do not owe them anything. However, I already have no any past bills, no record of cancelling (done on phone) and no confirmation email of any kind.
In the credit report is recorded that: “A notice of default has been served. This usually arises from non-payment.”. This is however impossible since I did not live at the address.

How to deal with this? I am not concerned about the money but about the impact on my credit score.
What actions should I take to resolve the issue such that my credit report is clear of records related to this?
Furthermore, what impact these records on my credit report can have on my credit score?

Regards
-P

forgotmyname

Sounds to me like a 1 month rolling contract you failed to cancel..

Or you cancelled and didnt pay the final bill.

Contact them and verify the facts. Doesnt matter where you live or lived. The credit report is on your at whatever address.

Unless you contact them and sort it the default will stay for upto 6 years. If you can convince them its a mistake then they might remove it.

Lenders will see you have failed to pay a bill. I dont think they get to see the figure?? So may not know its £29. Could be thousands??

Hopefully someone will clarify that...

FireWyrm

You do have a letter from T-Mobile confirming cancellation of the contract and that the bill is settled? If not, why not? It is always your right as a consumer to request a letter of settlement from any creditor. You should have got one if the contract was cancelled correctly within the timelimits. Most likely is that you did not actually cancel the contract correctly as many mobile providers insists on a clear 30 days notice of such.

I would speak to T-Mobile regarding your old contract and find out what the status of play is. If it is their fault and you did in fact cancel correctly, you can insist that they check the records to verify this. Demand that the default is set right immediately.