Default for £19 - Three/Lowell

[Deleted User]

You've got to laugh - or more likely cry - when you read this sort of outrageous stuff. How many times have we been told on this board to never cancel a DD when moving phone or utilities supplier, because they use it to take your final payment and you are therefore safeguarded against an accidental default. No matter. This is precisely the advice adopted by the OP yet he ends up with a default for a trivial amount that could, potentially, deny him getting a mortgage. It's an iniquitous situation brought about by a total lack of control applied to the CRAs and their customers.


Here's what needs to happen:
1) utilities and phone suppliers banned from CRA reporting
2) debt collecting companies banned from any interaction whatsoever with CRAs


On point one, at least as far as phone companies are concerned; how many now offer deals where all payments are upfront (unlimited calls, data, texts etc) but where they still report accounts to the CRAs?


On point two, as a consumer you have agreed to the original NAMED creditor interacting with the CRA, but you did not agree to their normally unspecified DCA doing the same.

jmc1976

Could you contact 3 and try to negotiate removal of the default on the grounds that you return to them. I wouldn't put it past them to agree to do this. Also suggest that you are considering refering a complaint to the Ombudsman.