EE Default

MuddyFunster

Has anyone successfully managed to have them remove one?

I'd rather not get into the morals of "correct reporting" etc, but I do indeed owe them £70, they never sent any sort of default notice, and I stupidly told them to "sling it" rather than going through a proper complaints procedure at the time, that was 3 years ago...

I've been trying to pull myself out of credit purgatory for 2 years, the bulk of my defaults fall off in a few months and I'll be left with this one Default for £70, which is as it stands unsatisfied - I firstly spoke to Fredrickson who were managing it, they were at first at least sympathetic to the idea - but suddenly they transferred it back to EE without warning and despite contacting them 4 times, I get nothing back by 'boiler plate' responses "I can confirm the outstanding balance is £7, if you pay it off it will show as 'satisfied'" neatly side-stepping the fact it will be a satisfied default.

fermi

There is no absolute requirement to send a notice about recording a default with the CRAs for phone contracts, if the T&Cs and/or info given when opening the account made it clear that non payment may be reported.

Have a careful read of this link --> https://forums.moneysavingexpert.com/discussion/3172602

Then formulate a formal complaint in writing/email to EE, saying you will go to their ombudsman and ICO if you are not happy with their response.

You may still get no-where, but that is likely your best bet.

MuddyFunster

Thanks Fermi, I'll give that a good read tonight and ready a formal complaint when the inevitable rejection of my latest e-mail arrives.

Thanks again.

MuddyFunster

Bit of an update.

I sent an e-mail of complaint to [EMAIL="Credit.Queries@t-mobile.co.uk"]Credit.Queries@t-mobile.co.uk[/EMAIL]


an address I scalped of one of their consumer forums - I don't know where these e-mails end up really but they seem a bit more switched on that the usually boiler plate responses from their customer service team citing the legislation and ICO guideline and got the following response:


"Dear Mr Funster

Thank you for your email regarding your T-mobile account ********* and the information showing on your credit file.

We have looked into this and found that there is still an outstanding balance on this account.

If you wish to dispute regarding the balance on your account, please contact our customer service team on 0845 412 5000 they would be able to help you further.

In relation to your question regarding the issue of default notices being issued under the Consumer Credit Act:

EE PCS are registered under the Act, and requires this registration for certain non-core services such as the giving of Interest Free Credit for phones from time to time. The network contract however is not covered by the Consumer Credit Act and accordingly we are not required to supply information under the provisions to which you are referring.

We will look into this matter further once the issue is resolved and the balance on the account is cleared off.

Thanks you for writing to us and we appreciate your patience in this matter."


So in short - I think it translates as "pay what you owe and we'll talk about it".



I suspect when I pay I'll get a "yes, we looked at it, we're not changing it, thanks for the money" response but anyone else had something similar?

[EMAIL="Credit.Queries@t-mobile.co.uk"][/email][EMAIL="Credit.Queries@t-mobile.co.uk"][/EMAIL]

fermi

You have the ombudsman and the ICO to fall back on, who are likely to be more receptive it it was settled promptly, then complained about from there.

Ian011

MuddyFunster wrote: »

If you wish to dispute regarding the balance on your account, please contact our customer service team on 0845 412 5000 they would be able to help you further.

Regulation 41 of the Consumer Contracts Regulations 2013 requires a number starting 01, 02, 03 or 080. In the event of non-compliance, Regulation 41(2) gives callers the right to a refund of any excess call costs incurred over and above whatever an equivalent call to an 01, 02 or 03 number would have cost. Breaches of the regulations can be reported to Trading Standards via the national Consumer Helpline on 0345 404 0506.

Bazofts_Revenge

I had fun with T-mobile a couple of years ago. My son had the phone and used much more than his credit limit and they cut it off fully so they said. As I was the account holder but my son was supposed to pay the bill, I waited for notification through the post nothing came until they sent a debt collection letter through an agency. When challenged they stated that they don't send letters but had texted us on the phone which was supposedly closed down. Why would anyone keep a phone charged and switched on if they had been told it was closed down. I had the funds to pay it off and closed my own personal account which I had had with them over 10 years..