Struggling with credit, advice needed

jodyjones1982

Hi all

Newbie to posting here so my apologies if this isn't in the right place, but I'll get straight to my problems.

Firstly, I have a CCJ on my credit file caused by my long-term partner (hidden from me) for £250, it's being paid off, but it's annoyed me because it's only now become apparent via the CCJ appearing on my file.

Secondly, I used to have a mobile phone contract with T-Mobile, who couldn't provide me with signal upon moving house. They wouldn't cancel the contract, so I refused to pay! I've fought for ages with them on it, they've gone as far as offering £40 off a £300+ bill. Can they really govern where I move to based on mobile phone coverage? I want the debt cancelled and my "credit rating" reinstated.

These are affecting my ability to get finance, so if anyone has any advice at all I would be extremely grateful!


Many thanks
Jody

[Deleted User]

No, you can't get them cancelled.

jodyjones1982 wrote: »

Can they really govern where I move to based on mobile phone coverage?

No. Only you can decide where to move to. All they can do is attempt to provide the service in line with the agreement. If you decide to move somewhere you can't use your phone, that's unfortunate.

When you have a disputed bill, never just stop paying.

Thrugelmir

jodyjones1982 wrote: »

Newbie to posting here so my apologies if this isn't in the right place, but I'll get straight to my problems.

Firstly, I have a CCJ on my credit file caused by my long-term partner (hidden from me) for £250, it's being paid off, but it's annoyed me because it's only now become apparent via the CCJ appearing on my file.

Secondly, I used to have a mobile phone contract with T-Mobile, who couldn't provide me with signal upon moving house. They wouldn't cancel the contract, so I refused to pay! I've fought for ages with them on it, they've gone as far as offering £40 off a £300+ bill. Can they really govern where I move to based on mobile phone coverage? I want the debt cancelled and my "credit rating" reinstated.

You may end with a second CCJ if you take the approach you are. Basically tough. T-Moblie hold all the aces. They are in the right. Irrespective of what you think.

Pixie5740

Which score do you want reinstated? You don't have a universal credit score and any number that the credit reference agencies generate is meaningless, they don't lend money.

jodyjones1982

Thanks all


The current CCJ is being paid, my own stupid fault for being too trusting, lesson learned and therefore being dealt with.


I don't want to end up with a second CCJ, hence the question.


However, I still don't see that it's fair that T-Mobile can charge me for a service they couldn't provide in my village (I live in the sticks in South Wales).
While I understand I have caused this grief myself by non-payment, do you think it might be worth taking up with the Financial Ombudsman, or whoever the communications regulators may be?




Thanks

jodyjones1982

Thrugelmir wrote: »

You may end with a second CCJ if you take the approach you are. Basically tough. T-Moblie hold all the aces. They are in the right. Irrespective of what you think.

Hi Thrugelmir


Thanks for your comment.
I'm not quite up to speed with Service Level Agreements on communications contracts, but surely attempting to provide a service (attempting to provide a signal for use) and completion of a service (actually providing a signal for use) are different, and would possible be "breach of contract" or something along those lines? Unfortunately, I no longer hold a copy of the contract to be able to check the T+C's :-(

[Deleted User]

jodyjones1982 wrote: »

While I understand I have caused this grief myself by non-payment, do you think it might be worth taking up with the Financial Ombudsman, or whoever the communications regulators may be?

No,. Don't waste more money on stamps and envelopes for a futile complaint.

MEM62

jodyjones1982 wrote: »

Thanks all


The current CCJ is being paid, my own stupid fault for being too trusting, lesson learned and therefore being dealt with.

This will impact you credit standing far more than the dispute with T-Mobile.

I don't want to end up with a second CCJ, hence the question.

However, I still don't see that it's fair that T-Mobile can charge me for a service they couldn't provide in my village (I live in the sticks in South Wales).
While I understand I have caused this grief myself by non-payment, do you think it might be worth taking up with the Financial Ombudsman, or whoever the communications regulators may be?

You are absolutely missing the point. T-Mobile have no obligation to cancel your contract because you moved to an area that does not have coverage. They do not have an obligation to upgrade their network to cover a particular area just because you moved there. The service level they are providing is exactly the same as it was before you moved - where are T-Mobile at fault?

You will get nowhere with the ombudsman.

Thanks

...........................

Candyapple

As you have a CCJ your credit history is ruined for the next 6 years anyway, T-Mobile issue or not.

Have T-Mobile issued you with a default? Or is your account just being reported as late payments to the credit reference agencies?

How many months into your contract did you decide to try and cancel it?

jodyjones1982

Candyapple wrote: »

As you have a CCJ your credit history is ruined for the next 6 years anyway, T-Mobile issue or not.

Have T-Mobile issued you with a default? Or is your account just being reported as late payments to the credit reference agencies?

How many months into your contract did you decide to try and cancel it?

Hi Candy apple

It was 14-15 months in I believe, and is at Default.

jodyjones1982

As it happens, I had overreacted and panicked, all is surprisingly good. However, as much as the condescending tones annoy me, I understand that I am at fault, but still feel that T-Mobile, while not being obligated (not expected) to upgrade their service in my village, are treating me unfairly as a customer in expecting me to continue paying full payment on a service I'm not receiving. However wronged I feel, I guess the advice is to be quiet and pay up. Thanks!!