Credit Problem

[erimus1]

I have a default on my credit file from T-Mobile for �316 - It has been on there for nearly four years, and I have been trying to get it off since then. It genuinley should not be there because the only reason that the bill was not paid was that T-Mobile failed to take money out of my account (tried taking it out of another bank account) - I have said from the outset that I would pay the bill in full, the moment they remove this error from my file, but they keep saying they will remove it after I have paid it - I have been advised by Experien that they will probably just mark it as 'satisfied', so I have not paid it.

It is outside the remit of 'The Information Minister' because the information is correct - there was a default, and they can not look into the circumstances as to why this happened i.e. they failed to take the money, and not me failing to pay.

My sister works in a bank, and has told me that this happens a lot with mobile phone service providers - they will lodge a default notice at the drop of a hat - This means that they are able to do this even if it is them that has made the mistake - Unfortunately, I am not in the position where I can put notices on them as they have done to me - They have too much power, and there does not seem to be a way of controling it.

Any suggestions would be greatley appreciated as I have tried everything. Thanks

[stevie21]

Pay T Mobile, get written confirmation that the debt is satisfied and have experian amend your credit file

[kazza12345]

maybe just pay up and chalk it up to experience?

[erimus1]

Thanks guys, but i'd rather pull teeth than pay up for something when they are the ones that made the mistake - Don't get me wrong, I do owe them the money, and have always said that I will pay...........when they remove their error.

[stevie21]

Even if T-Mobile made a mistake in trying to take the money from the wrong account, you owe them money and the onus is on YOU to make sure that any bills and debts are satisfied.
If you've long since convinced yourself that you are completely free of blame or responsibility for this situation then have a rethink.

I'd pay the bill and get it over with - your behaviour seems immature to me. Do you honestly think that T-Mobile have any reason to do you any favours by amending anyone's records given that you've done nothing to indicate that you are keen to pay this bill for "nearly four years"?

I'm with the phone company on this one and I'd have either sold this to a debt collection agency or sent you stern lawyers letters long ago.

[BenDToy]

You can hardly justify asking to get this removed until you pay your debt (because it is entirely accurate - you do owe them money!). Who do you think you are punishing with this stupidity - T-Mobile? I think not!

[erimus1]

Thanks - I think, but you may have got the wrong end of the stick. I have never for one moment said that I would not pay T-Mobile, in fact, prior to this, I had been dealing wth them for over eighteen months, paying them over �1,500 without fail.
I was advised not to pay the bill be Experien until they had removed their error (for which they have since admitted).
Steve21, I think that you have missunderstood - the problem is not with the outstanding bill, it is with their lodging of a default on my file - I admit that, in a sense, I am holding them to randsom, and you may think that this is childish, but i'm sure that if a company had lodged a default notice on your file when they were the ones that were pro-active in it defaulting, you would feel the same.
I can understand that I am responsible for paying my bills, but as far as I am concerned, I had done all that I could in signing a direct debit mandate.
This notice was put on six weeks after the initial late payment (I was away from home). If everyone had to check, double check, and treble check everything in life, nothing would get done.