Orange default on my credit report

coopergte

I got a contract out for a ex from orange I no I was young and silly!! Any way during the period we were together she always payed the bill from her account I never see any letters from them or had any phone calls etc when we split I moved and assumed she still had the phone etc ! Next thing I no months later I recieve a letter from Lovell saying I owed 987 to say I was surprised was a understatement ! I payed the debt and have seen I have a default on my account who Lovell says orange put on there ok my question is can they do this with out atually giving me notice that the bill was due or in debt or a default was coming as I've had elite rally no letters or calls from them does anybody thing I have a case to argue this default ? Thanks chris

molerat

Where was the account registered, they would have sent default notices to that address.

David_White

If you took the contract out for your ex then they presumably would have sent all correspondence to them.

coopergte

Thanks for the reply David that's what I'm thinking they must have got sent to her address how do I stand fighting the default basically as I personally never spoke to them regarding the debt or received any letters have I got a leg to stand on? Cheers

David_White

I don't fancy your chances I'm afraid.

Unfortunately you've taken a big risk by taking a contract out for someone else.

I'd notch it up to a lesson learned.

coopergte

Thanks mate

National_Debtline

Hi Chris

You could add a ‘notice of correction’ to your credit files. It’s a statement to explain something which gives a misleading impression and can be taken into consideration if you apply for credit. It might help with this default.

James
@natdebtline

coopergte

Thanks James

David_White

Just my 2 cents, but I completely disagree about the Notice of Correction.

All this is going to do is shine a massive light on the fact you have something bad on your credit file.

When you put a Notice of Correction on your report it guarantees that every single thing you apply for (overdraft, credit card, mortgage etc) will refer to an underwriter who will then scrutinize everything on your file.

I can't see any underwriter taking a positive view having read a story about how they took out a phone contract for someone else.

coopergte

Thanks for the advice David