Mobile Contracts and Defaults

[DiscoDav]

Hi, First poster here :-)

I'm trying to get a bit of clarification with regards to mobile phone companies and defaults.

I have two defaults on my credit file with equifax for 02 and Three

I asked for copies of the default notices and got the response that they don't have to supply them as they are not covered by the CCA.

If they aren't covered by the CCA, how can they enforce a default for 6 years on my credit files (which is regulated by the CCA) and not have to remove it when they full balance has been paid?

Thanks :-)

[Snapples]

Re: Mobile Contracts and Defaults

Hi DiscoDav

Mobile phone contracts are service agreements and are not regulated by the Consumer Credit Act 1974.

Mobile phone companies are within their rights to report accurate information regarding the status of your account to the credit reference agencies, however the information must be accurate and up to date.