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EE ruined my credit score
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Sure, but that's the kind of thing you learn about with experience, rather than something that is inherently obvious.
It's in EE's T's and C's :
What happens if I'm owed a refund from my final phone bill?
If you're in credit, we’ll process an automatic refund around eight days after the date of your final bill. Here's how you'll receive your refund depending on how you pay:
Direct Debit: we’ll pay the money straight into your bank account
no Direct Debit: we'll send a cheque to your registered address0
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