ID mobile £2 has impacted my credit report

Stephenedinburgh

Hi, looking for some help.

I was with ID mobile and moved provider when my contract came to an end. I received a text from them to say my estimated bill would be £0. I then cancelled my direct debit as when my wife moved from ID, they kept charging her for a contract she didn't have and I didn't want the same issue.

This was in March. Role on to August and last night I happened to check my credit report which usually shows very good to read poor. It turns out that my last bill with ID was for £2. They didn't inform me of this. I have received no letters, texts or emails (including in spam folder) to inform me that an outstanding payment of £2 was due. So I now have 4 missed payments showing on credit report (when ID have tried to take £2 from my DD but failed). 

I have been in touch with ID mobile and they at the moment are not prepared to do anything. I have been in touch with the comms ombudsman who said I need to prove they haven't written to me etc....how the heck am I meant to do this.

So this leaves me now with a poor credit report and massive implementations for my family financial stability. I earn good money and don't have any issues with payments. Never missed a payment in my life and had a mortgage for over 25yrs. No idea what to do now.

eskbanker

Stephenedinburgh said:

I was with ID mobile and moved provider when my contract came to an end. I received a text from them to say my estimated bill would be £0. I then cancelled my direct debit as when my wife moved from ID, they kept charging her for a contract she didn't have and I didn't want the same issue.

This was in March. Role on to August and last night I happened to check my credit report which usually shows very good to read poor. It turns out that my last bill with ID was for £2. They didn't inform me of this. I have received no letters, texts or emails (including in spam folder) to inform me that an outstanding payment of £2 was due.

What was the normal billing process while you were with them, i.e. did they send something to you every month or just make it available in an online portal, etc?

Stephenedinburgh said:

I have been in touch with the comms ombudsman who said I need to prove they haven't written to me etc....how the heck am I meant to do this.

Sounds like a reasonable question to ask them to answer, given the impossibility of proving a negative!

Nasqueron

If the firm can show they sent out a notice of arrears and warning of default, it is deemed delivered 2 working days after postage in law, unfortunately you are then in the position of trying to show they didn't send it. You could DSAR them to ask for copies of all the data they hold, that might show if they didn't send a letter which could help your case or it could prove they did