A question about : Mobile Phone missed payment
Hi all,
I was hoping someone could offer some advice in regards to a missed payment for my mobile phone contract. To be honest, I have accpeted that I could have handled the situation a lot better, though I still want to pursue this if there is any point.
The situation was that I was moving to another mobile phone supplier. I called T-Mobile to inform them of this, arranged to make a final payment, which was made, and then got on with my life with my new phone. Unfortunately T-Mobile effectively 'charged' me for a following month, despite me being informed verbally (i know, i know) that I would not. This got passed on to a debt collection agency becuase I refused to pay. The agency offered me a reduced settlement (50%) and I finally accepted that it was time to let go and I paid. A strange thing then happened when T-Mobile called demanding the rest of the payment (the other 50%) which I refused to pay, and they offered me as 'good will' to write off the other 50%.
Now, unfortunately this is showing as a '2' for 2 missed payments on my experian credit score. I have asked T-Mobile to amend this, and they have refused. Do I have a leg to stand on in terms of getting this rectified? I felt I acted on advice from a T-Mobile agent over the phone, and I have been stung for this.
If this is not reversible, how bad is a '2' on my credit record? Will obviously be there for 6 years now, and now that I am getting more credit worthy, and considering a mortgage over the next 2-3 years I am a little concerned (all for the sake of Ј15!!!)
Thanks for your help,
Dave
Best answers:
- Nothing to worry about. Mortgage lenders do seem to understand that final payments on mobile accounts can can awry so they do tend to ignore them.
- Ah, thats a relief anyway! I wasnt clued up enough to be honest. I didnt even know they were creditors (rookie mistake there). In which case they would have been paid almost immediately!
- Dave, If its the first one make sure its the last one.
A small hiccup is fine just not to many (says I the voice of far too many late payments)
If this is the first in 6 years well done, keep going onwards and forward and everything on time. - Thanks camuk. I did miss one payment with another account, though that one blatantly was my fault, and is a current supplier so will drop off in about 18 months luckily.
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