Credit rating ruined by EE

GingerBob_3

Bogalot wrote: »

Rather melodramatic there Ginger.

Can you point to any mobile provider that has a 100 page terms and conditions, or anywhere that the provider has not stuck to their side of the agreement?

Nope, but you know what I mean. The whole thing is totally one-sided. Phone providers shouldn't have access to the CRA databases. Someone doesn't pay - the sanction is disconnect them. That's all they should be capable of. They shouldn't get away with wrecking someone's mortgage chances over a misunderstanding.

Jon_01

GingerBob wrote: »

Nope, but you know what I mean. The whole thing is totally one-sided. Phone providers shouldn't have access to the CRA databases. Someone doesn't pay - the sanction is disconnect them. That's all they should be capable of. They shouldn't get away with wrecking someone's mortgage chances over a misunderstanding.

Total rubbish, I used to work as a fraud investigator for one of the network. They most certainly need access to the CRA database.

Ohic

Hi everyone thanks for your responses from the frustration i may not have made everything completely clear originally - We made several trips into the store about the contract and address details , including when they phoned to offer me a new contract and try and retain me as a customer telling them i would be going elsewhere and cancelling my contract ?
I believed telling them verbally of my intentions to cancel the contract would be enough - if this is my mistake then thats my problem but is this not extreme over a £80 bill ? That £80 bill if i had known i had to pay i would of done so immediately rather than risk this - surely the fact i went in to change my address and it hasnt been logged is enough proof that this is crazy ?

Arleen

Did they confirm your cancellation over the phone, or did you just say "I want to cancel" and then hanged up? Read the contract you've signed with them, as it includes cancellation procedure.

Most likely the above happened, where you just didn't want to deal with the hard sell when you want to cancel and hanged up before they actually cancelled your contract. Then you figured that it may not have been the best way to do it, so you cancelled your direct debit and ignored when they called you about it. As they always do when DD is cancelled. How close am I to how this went?

And what proof do you have that you've updated the address with them, and how did you do it? And why did you do it, since your account was cancelled?

Ohic

As i said i had updated my address with them around 6-8 months before the end of the contract not afterwards.
Not at all no hanging up involved the team phoned us tried to offer me a new contract and i said i wouldn't be interested as i would be looking to move elsewhere and would be cancelling my contract , asked if i was sure there was no phone they could offer me i said no as i would be moving onto a multi-phone contract with my partner, they said that was fine and they would not try and chase me for renewal any longer.

Arleen

And? Nowhere in that summary you've included the moment where your contract is cancelled, just you stating that you would be or end of conversation.

Ohic

It appears now the problem i made was assuming when i spoke to the renewal team and said i would like the contract cancelled and wouldnt be taking out a new one with them wasn't enough. So i have messed up is this now it ? I have no chance of getting a mortgage for 6 years?

GingerBob_3

Jon_01 wrote: »

Total rubbish, I used to work as a fraud investigator for one of the network. They most certainly need access to the CRA database.

Really! Why? The purpose of the credit element of the CRA databases is nothing to do with fraud. It's to highlight delinquents and (real) bad payers. One of THE major problems with the way the CRAs operate is they allow the likes of private 'fraud' investigators and other sundry snoopers access to their systems.

GingerBob_3

Seems to me, from what the OP has said, he is 100% in the right, and yet again we have a rogue operator using credit reporting as a blackmailing tool.

Arleen

Ohic wrote: »

It appears now the problem i made was assuming when i spoke to the renewal team and said i would like the contract cancelled and wouldnt be taking out a new one with them wasn't enough. So i have messed up is this now it ? I have no chance of getting a mortgage for 6 years?

So that was the end? This means you didn't even cancel over the phone. As you can read in your agreement, cancellation notice must be acknowledged before it goes into effect, and you may also have to stay for an additional month with many of those contracts (check it for details).

Now that we've established that part lets look at your options. They do not have to contact you at all before damage to your credit file is done, it's up to stay on top of payments for your account. So the address issue is immaterial here, at least from a rules point of view meaning you have no recourse.

But luckily there is more to life than blindly following rules. I would call them back, explain the situation calmly and humbly. Make it clear that you thought that you've cancelled, and was wrong there - apologise and ask would they be willing to change the marks if you make a payment in full now.
If they disagree, make another plea, explaining that you have updated the address, and they didn't contact you with it - which isn't very nice, as if they did you would've paid it right away. You can again remind that you admit doing wrong with the cancellation, but that everyone can make a mistake and there is no need for such consequences as it's just a misunderstanding on both sides.

If they still disagree (very rare) then you can go aggressive, threaten with raising it to ICO, trade practices commission, your local mp and nearby KIOS. Go all out; you have nothing to lose here really.

More often than enough they will ask you to give them couple days to see what can do (make sure to pay the bill as you are on the phone with them) and will usually remove it. And when making that call make sure to record it. As we live in the UK, you can record phonecalls for private use without second party consent - use that. Then if between calls they lie, or even make a mistake, you can point that out and demand them to just remove the entries from the file, or you will go with those recordings of manipulation to ICO.

Keep in mind that you don't have a legal recourse here, and you are in the wrong. This is just an attempt to bully/convince/plea them into doing you a favour.