Failed credit check

rs82uk

Snaggles wrote: »

I work as an underwriter, and if I was looking to lend you money, a SATISFIED issue with a mobile phone company wouldn't put me off lending (mobile phone companies are notorious for 'running to tell teacher' (ie the credit reference agencies) if you so much as pause for breath before you pay your bill). However, an outstanding default WOULD put me off.

So, the options are to either a) pay it, or b) get them to agree that it was their fault and remove it from your file.

Have you written to them explaining the circumstances? What have they said? If they were willing to send you something in writing to confirm that it is an error, you could give this to the letting agency to prove you are not a 'bad risk' (getting it removed from your file could take a couple of months or so even if they DO agree).

Have you got a copy of a bill with the correct address on it? I'm just thinking if you can PROVE they knew your new address, then they might be more willing to agree that it was a mistake.

You can add a notice of dispute or notice of correction explaining the circumstances to your credit file, it wont improve your rating, but anyone that carries out a search will be able to see the explanation you have given. But remember to remove it once all this is resolved, because having it there when there is no longer a problem with your file can actually create more problems than it solves.

Thanks for your advice it is tempting to just pay it, but it grates me the idea of paying for something that I dont believe I owe. I have tried to call them to say ill pay what it was before they added a bucket of intrest to it but can't get any sense out of the call centre monkeys, and my letteres are all ignored.

Snaggles

Hiya - you could maybe try sending it by recorded delivery/registered post (I can never remember which is which), that way you could prove they have received your letter. Or if you do prefer to ring, ask to speak to a manager and refuse to get off the phone until it is sorted (and get the names of everyone you speak to). It's amazing how much a customer that just wont go away focusses the mind....lol!

Good luck and I hope you do get it resolved.

smilealot

Hi,

I had exactly the same problem with O2 a couple of years ago. I called them and demanded that they rectify the issue as my credit was being affected (this was in the days before my own debt problems started, i.e. I should have had a strong credit file!).

They asked me to email someone (sorry can't remember the details) who sorted it out within a week, removing the default completely.

Good luck!