EE ruined my credit score

boo_star

TurningANewLeaf wrote: »

Well I've only read two threads on this site, this thread and my own, and in BOTH of them, his advice has either been poor, lecturing, or he's been downright incorrect with his facts.


It's a bit of a turn off for a new user when you are bombarded with posts from someone like this. My biggest mistake was actually giving the dude any attention, I ignored his first post but then he upped the ante by his second post. Pretty transparent what he is doing here, he's looking for a rise. It's clear as day actually. But anyway, I'm not going to discuss this person any further. Said my piece and that's it.

Post #14 may have been a bit moody but I wouldn't say the previous posts were wrong. Perhaps the tone was a bit off but that's really it.

[Deleted User]

Sorry for saying it like it is.

People come on here and post with the impressions they'll get people siding with them and saying "it's not your fault, don't worry about it".

9 times out of 10 this isn't the case

older_wiser

i do wonder if the people who give advice so strongly and give their opinions in such a forthright manner also do this in the real world.

The term keyboard warrior is very apt in some cases IMO

people do come on here for advice and i believe there are ways to "tell it how it is " without being sarcastic or mean spirited. Each to their own though everyone is different thankfully.

edit and for clarification this isn't about this thread particular
this is a general point regarding all posts on MSE

[Deleted User]

older_wiser wrote: »

i do wonder if the people who give advice so strongly and give their opinions in such a forthright manner also do this in the real world.

The term keyboard warrior is very apt in some cases IMO

people do come on here for advice and i believe there are ways to "tell it how it is " without being sarcastic or mean spirited. Each to their own though everyone is different thankfully.

edit and for clarification this isn't about this thread particular
this is a general point regarding all posts on MSE

Because it's the only way you can get through to people.

Fluffing everything up won't make people learn and understand.

older_wiser

!!! wrote: »

Because it's the only way you can get through to people.

Fluffing everything up won't make people learn and understand.

fair point

Ergates

mattvolatile wrote: »

Gary, I really don't know how to make this any clearer for you.

1) the Direct Debit Guarantee explicitly allows you to cancel any instruction at any time.

2) One of the *main functions* of the Guarantee is to protect people who've cancelled their debit instructions from having money debited anyway. If you were in *any way* correct that cancelling your instruction made the debit guarantee inapplicable, then the Guarantee would be toothless.

I implore you: read the link I provided earlier to Ombudsman rulings on this. Of *course* the Guarantee still applies if you've cancelled your instruction, because protection against debits being made after cancellation is one of its primary functions!

Gary is right, you are way *way* off the mark here. This case has *nothing* to do with the Direct Debit guarantee. The default wasn't caused by a failed DD payment, it was cause by an unpaid bill.

The bill was not paid because the OP cancelled their DD, and so EE never tried to get the money via DD - i.e. they complied with the rules of the DD scheme. The scheme rules say nothing of having to contact the customer if they owe money and the DD has been cancelled - because that would be ridiculous.

The only real question here is: Did EE take sufficient steps to contact the customer about the unpaid bill before applying a default to their account. It does look like EE has previous form for not notifying people, but then it's also not uncommon for people to miss or ignore letters (including bills).
None of us can know which of them is correct.

macman

Regarding the OP's complaint that EE failed to contact them by phone or email before registering a default, this need to be put in context. According to the last stats I can find, EE had 29.56 million UK mobile customers (March 2018). So, if just 1% of those customers were in arrears for one month, then EE would have to make 295,600 calls, or send 295,600 emails, to pursue those debts manually, each and every month.
Since this clearly isn't even remotely possible, the escalation process to a default must be a largely automated one, which doesn't take into account the customer's previous unblemished record, etc.

JustRi

EE sends out a ‘Final Bill’ when an account is terminated. This actually says ‘Final Bill’ on it. Most people would understandably think that they would not receive another bill after this, but this is not always the case. If other charges come to light further down the line, eg 3rd party services, using the phone abroad then a second ‘Final Bill’ will be produced, or even a 3rd in some cases. This is very confusing for people and not properly explained to them by EE that this can happen.

boo_star

JustRi wrote: »

EE sends out a ‘Final Bill’ when an account is terminated. This actually says ‘Final Bill’ on it. Most people would understandably think that they would not receive another bill after this, but this is not always the case. If other charges come to light further down the line, eg 3rd party services, using the phone abroad then a second ‘Final Bill’ will be produced, or even a 3rd in some cases. This is very confusing for people and not properly explained to them by EE that this can happen.

I've seen this many times before but I don't see why people immediately cancel the DD after the "final" payment. You can easily reclaim any incorrect DD's via the Indemnity scheme.

JustRi

I guess that people take it at its face value. It says ‘Final Bill’ so it must be the final and last bill.