Sue Tmobile

[char]

Hello I need some help please, I am going to sue Tmobile. I stupidly took a contract out for the ex girl friend in my name etc she never paid anyway.


I went too apply for a morgtage but was declined due to adverse credit checked equifax and experian there both squeaky clean then checked call credit and there is a default from T mobile. the registered the default just over 4 years from the last payment was made roughly tthey wouldn't tell me excatly but from looking at the payment history it looks like end of 2006. They then told me they have written the debt off and it was a collecting agency who say they sold it back to Tmobile I've been getting the run around. I have sent the CEO of ee they are now known of emails with the ico guidelines within 6 months to issue a default not nearly 4 or 5 years later. If they issued the default correctly it wwould've fallen off my report this year but they are ignoring me now. I have just lost £92.000 off the scottish government to help buy a home and my marriage is nearly breaking down due to this stress does anyone have any advice on how I can sue them ?


Thank you

[Celestine]

Re: Sue Tmobile

Hi Char

At face value you may have a claim, but the ICO guidelines are not yet being fully accepted by the Courts.

Can you put up a more detailed time line of this default so I can advise you better please?

[char]

Re: Sue Tmobile

Account Address:
Provider:T-Mobile
Account Type:Telecommunications Supplier
Account Number:*****9152
Account Status: Default
Date Updated:01/01/2013
Account Start Date:06/07/2006
Account Opening Balance:--
Repayment Frequency:Monthly
Default Date:10/03/2011
Payment history last 12 months. View Status Key The highlighted pebble indicates most recent entry
Status History
Limit History
Balance History 245 245 245 245 245 245 245 245 245 245 245 245
See 12 Months History
Status History
Limit History
Balance History 245 245 245 245 245 245 245 245 245 245 245 324
Status History
Limit History
Balance History 324 324 324 324 324 324 324 324 324 324 324 324
Status History
Limit History
Balance History 324 324 324 324 324 324 324 324 324 324 324 324
Status History
Limit History
Balance History 324 324 324 324 324 324 324 324 324 324 324 324
Status History
Limit History
Balance History 324 324 324 324 324 324 272 94 93 0 0


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I hope this makes sense? I've just copied it from my credit report! I need to do something about it any help is def appreciated

thank you

[Celestine]

Re: Sue Tmobile

OK, a bit more history from your point of view. Date/Circs of account opening.

[char]

Re: Sue Tmobile

Thank you, the account was opened on the 6th of July 2006 what other info do you need and ill get it all properly

thank you very much

[Hurricane Puffrose]

Re: Sue Tmobile

who's name was the account in?
What contract did you have?
Did Tmobile ever write to you to ask for a payment?
Did Tmobile ever take any monies out of your bank account or were the payments from your ex's account?
Did you ever receive a collections call from Tmobile?
Have you ever cancelled this account?

all seem odd questions but will help too.

[Celestine]

Re: Sue Tmobile

So you opened the account for a girlfriend and 'left her to make payments'. When did you become aware she had not paid? What date did the account go 'rogue'?

[char]

Re: Sue Tmobile

Correct , I took the contract out for my ex girl friend and I do no tthat it was stupid hense the situation in now.

All I no is that it went into "rogue" status when I go into Tmobile they say the last payment was made in 2007 can't give me an exact date but from looking at the history on my credit file it looks like November 2006.

i don't have any paper work from them as it all went to her house nothing at
all and she said she gave one months notice and the end if the contract that is all I no aapart from "tmobile" sold the debt and wrote it off ..... The debt collecting agency gave it back so the current state of the debt is no one has it....

[char]

Re: Sue Tmobile

Also I didn't "leave her to make payments" she assured me she would pay it each month I was in a relashionship with the awfull women for 5 years.

[Celestine]

Re: Sue Tmobile

I think the least risky strategy in this case would be a complaint to the Information Commissioner, as according to their own guidelines, this account should have been defaulted in 2007.

[char]

Re: Sue Tmobile

I didn't no she had not paid it until I got my callcredit report as applied for a morgtage a s got declined and told me to check my report which I did roughly about 2 weeks ago .

[Celestine]

Re: Sue Tmobile

So if you can get the default removed, will you be able to reapply for your mortgage?

[char]

Re: Sue Tmobile

Yeah the underwritters said aslong as that is off and obv paper work etc is ok then we're fine but the problem is we got funding off the scottish government ( lift scheme) and we have to be in a property by 5th April already had an offer accepted
on a house so it's really really stressfull

[Celestine]

Re: Sue Tmobile

Hmmmm the ICO route might take too long. Get that started first and we'll draft a nice letter to send to T-Mobile in the meantime.

[char]

Re: Sue Tmobile

Hmmmm the ICO route might take too long. Get that started first and we'll draft a nice letter to send to T-Mobile in the meantime.

ok thank you, I will contact them on Monday morning. Where should I send a letter to Tmobile maybe compliance manager or Legal department etc

thanks again