Default account on my Credit from EE

Trevor777

Hi All,

I wanted to get some advice and if I should pursue my problem further.

During my first year in University, I signed a phone contract with EE Orange. After 3 years of being their customer I decided to move to another phone provider. I never missed a payment with them and finished my initial contract with them.

I never paid attention to my credit score before but recently I found out that I had a defaulted account on my credit report and it was £15. The moment I found out, I paid the debt. The defaulted account has been there for 3 years already which I didn't even know.

When I left the EE, my contract was canceled and apparently there was a 15-pound charge and I wasn't aware of it. I moved houses about the same time when I canceled my EE contract. I don't remember receiving a call or a letter that I had an outstanding payment for the cancellation fee. Even though my number stayed the same when I moved to the other phone company, they must've had a record of my contact number.

I contacted the Debt company, but they told me to contact EE Orange regarding this.

I wanted to ask for some advice if it is worth to write to EE and is there anything I can do to get rid of it? Or it is just a waiting game until it just expires?

Is it worth for me to get a Credit card and spend a small amount each month to improve my credit score?

Any advice or comments would be appreciated.

Thanks.

macman

It will fall off your credit history 6 years from the date of default. Don't worry about your credit score, you don't have one-there are purely fictitious. It's your history that lenders see.
Yes, that would be a good idea, but pay off more than the minimum. What lenders want to see is a record of credit being taken and repaid on time.
It's unlikely that EE will remove it, as it is an accurate record of your credit history. You can but ask.

xlnc99

of course its worth contacting them. It won cost you anything but time. In ur circumstances they probabbly will remove the default so do it

[Deleted User]

If you paid by Direct Debit then the charge would have been taken - did you cancel the DD?

Ignore the post above - it won't be removed and there's no reason for it to be removed.

xlnc99

Ignore Gary. Just search his name on the forum and come to your own conclusion about his posts.

I have successfully removed two defaults one with a phone company. Similar situation to yours. It was done recently. Its not a guarantee they will remove it but you wont know until you try. Wont cost you anything but time and a few emails.

boo_star

xlnc99 wrote: »

Ignore Gary. Just search his name on the forum and come to your own conclusion about his posts.

I have successfully removed two defaults one with a phone company. Similar situation to yours. It was done recently. Its not a guarantee they will remove it but you wont know until you try. Wont cost you anything but time and a few emails.

To be fair this is a bit "pot calling the kettle black."

You've also given some bad advice including "lying on a credit application isn't fraud" and "you can't launder money via bank transfers."

xlnc99

My advice is correct. I did not agree to lying on an application form i said its not feasible to think someone made a mistake. Happens all the time. And no u cant launder money via bank transfer. I suggest you read up about money laundering. Its not how it works

sourcrates

Trevor777 wrote: »

I wanted to ask for some advice if it is worth to write to EE and is there anything I can do to get rid of it? Or it is just a waiting game until it just expires?

Hi,

As you can appreciate, this subject can be quite a contencious topic, is it fair to default an account for such a small sum of money, given the effect a default can have on your ability to obtain credit ?

Well yes, and no, EE are following guidelines correctly, however, they are only guidelines, and nothing is set in stone, so that does give them a certain amount of discretion in these matters.

The problem is EE have possibly the worst customer service record imaginable, if, your complaint is answered, you may just get a standard "nothing we can do" responce, although occasionally a real human being may reply to you, so if you feel that you have cause for complaint, dosen`t matter what anyone else thinks, if you feel you have grounds, then by all means write and complain, you may just get ignored, or they may make a goodwill gesture of some kind, just make sure you set out your complaint concisely, and stick to the facts, explain it as you have to us.

[Deleted User]

xlnc99 wrote: »

My advice is correct. I did not agree to lying on an application form i said its not feasible to think someone made a mistake. Happens all the time. And no u cant launder money via bank transfer. I suggest you read up about money laundering. Its not how it works

It's not a mistake to purposely forge your DOB on an application form - that's a criminal offence.

And yes, you absolutely can launder money by bank transfer - how else is it done?
Someone walking around with a swag-bag with a pound sign on it?

xlnc99

I suggest you do some research on money laundering........

nothing more needs to be said

sourcrates

!!! wrote: »

It's not a mistake to purposely forge your DOB on an application form - that's a criminal offence.

And yes, you absolutely can launder money by bank transfer - how else is it done?
Someone walking around with a swag-bag with a pound sign on it?

xlnc99 wrote: »

I suggest you do some research on money laundering........

nothing more needs to be said

Guys, agree to differ please, no more on this now.


Thanks.