Advice needed with T-Mobile 'debt'

Saxo84

My contract ended Oct last year, so I called up a month before to inform T-Mobile I wanted the contract terminated, 3 times I called each one over 30 mins long and I never once got through to someone so I stopped my payments via my bank.

A month later I received the inevitable phone call asking why I hadn't paid, I was willing to pay the month I owed but the guy refused to cancel the contract and told me I should "be more patient" when I tried to cancel and hung up. I then received letters from debt collectors for various different amounts which I ignored until December last year.

I thought it was over and they had given up but today I get 3 letters, 1 from the debt collectors saying I owe £74.20, one from T-Mobile saying I owe £59.36 and another from T-Mobile saying my bill for March is £37.10.

Now I haven't received anything since December until today, so the bill baffled me as it means I must STILL have a contract with them? My main dilemma is I was happy to go to court as I had evidence of the phone calls I made in an attempt to contact them to cancel the contract but have since sold the phone I used to make those phone calls. Any idea where I stand with this if it does escalate to a court case?

Jon_01

It won't go to court. It'll go to a collections agency who will add their fee and send you a bill, then they'll come round for payment.

Stopping the dd was the worst thing you could have done. Your credit file is now trashed and will be for the next 6 years.

The fact their cs isn't the best isn't a reason to just stop paying.

You need to call T now and see if you can settle...

Silk

Saxo84 wrote: »

Now I haven't received anything since December until today, so the bill baffled me as it means I must STILL have a contract with them? My main dilemma is I was happy to go to court as I had evidence of the phone calls I made in an attempt to contact them to cancel the contract but have since sold the phone I used to make those phone calls. Any idea where I stand with this if it does escalate to a court case?

You will need to enter into dialogue with them, try ringing the complaints team on 0808 121 3333 and explain what happened to your attempts to cancel, the calls you made from the phone should still be able to be itemised from your account.
If the call fails to resolve anything you need to start a paper trail


It won't go to court but they will trash your credit rating for the nest 6 years and you will get debt collectors chasing you.
Another issue is the phone you sold will probably be blocked and the person you sold it to will be chasing you too

d123

Saxo84 wrote: »

My contract ended Oct last year, so I called up a month before to inform T-Mobile I wanted the contract terminated, 3 times I called each one over 30 mins long and I never once got through to someone so I stopped my payments via my bank.

A month later I received the inevitable phone call asking why I hadn't paid, I was willing to pay the month I owed but the guy refused to cancel the contract and told me I should "be more patient" when I tried to cancel and hung up. I then received letters from debt collectors for various different amounts which I ignored until December last year.

I thought it was over and they had given up but today I get 3 letters, 1 from the debt collectors saying I owe £74.20, one from T-Mobile saying I owe £59.36 and another from T-Mobile saying my bill for March is £37.10.

Now I haven't received anything since December until today, so the bill baffled me as it means I must STILL have a contract with them? My main dilemma is I was happy to go to court as I had evidence of the phone calls I made in an attempt to contact them to cancel the contract but have since sold the phone I used to make those phone calls. Any idea where I stand with this if it does escalate to a court case?

After giving up on 3 phone calls you didn't consider sending them written notice by recorded delivery?

Saxo84

Thanks guys, really couldn't care less about my credit rating so I guess I can continue to ignore these letters.

mobilejunkie

Then you'll get what you deserve.

Saxo84

mobilejunkie wrote: »

Then you'll get what you deserve.

And what is it I will get exactly?

mobilejunkie

No-one will trust you again. One day you may need some form of credit or loan and find you can't get it. You'll also have debt collectors bothering you for an escalating amount of debt for a long time to come.

macman

Saxo84 wrote: »

And what is it I will get exactly?

What you won't get is another phone contract, or mortgage, credit card, utility supply, HP agreement, lease etc-anything requiring a credit check.
I'm baffled by why, if you never cancelled, you are surprised to find that you are still in contract? How did you think that stopping your DD ended the contract?

Saxo84

macman wrote: »

What you won't get is another phone contract, or mortgage, credit card, utility supply, HP agreement, lease etc-anything requiring a credit check.
I'm baffled by why, if you never cancelled, you are surprised to find that you are still in contract? How did you think that stopping your DD ended the contract?

The constant "If you don't pay this bill we will disconnect you" letters I was receiving, since I didn't pay I assumed they followed up on their threat especially as I didn't get a bill for the 3 months between November and March.

d123

Saxo84 wrote: »

The constant "If you don't pay this bill we will disconnect you" letters I was receiving, since I didn't pay I assumed they followed up on their threat especially as I didn't get a bill for the 3 months between November and March.

So what does that have to do with you terminating your contract?

You didn't think them disconnecting you is the same as contract termination? Did you? :rotfl: