Credit File much needed help with default & advice

[TW]Fox;24557209 said:
The cut him off. You don't get cut off for a minor late payment?

If the information is correct why would Orange be compelled to remove it?
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Well, 3mobile cut me off immediately when my direct debit failed a few months back, (outgoing calls were all diverted to 3's payment line) I called them, payed and all was good.
 
Who did you apply with for the mortgage? If you went directly, I would advise using a broker as they know who and who will not take it into account.
 
There's not enough info about the nature of the default on the credit score, and it warrants looking into a bit deeper.

It depends what "ended up falling behind on payments" means... one missed payment? 3? 10? were interim payments made?
 
I think you will struggle to fix this, but take a look at the FSA guidelines around TCF or Treating Customers Fairly, which obliges people to put pragmatism over penalties and this does apply to mobile service providers, though your agreement was unregulated there are still obligations. However you signed an agreement, defaulted and now are being penalised to I suspect you are going to find it tough.
 
To OP. How long did you go without paying Orange. Did you not phone them up to tell them you lost your job and that you would have problems paying them. Surely you could have come to some sort of payment agreement?
 
Evening Guys

Thanks for you comments. Its showing on my credit file as now paid off and full settlement as been received.Sorry to make it clear i put 3 weeks it was 3 MONTHS after i paid it and yes i did ring orange and explain my issue with loseing my job. Its a pain in the arse as i am 26 stuck at home looking to move out all because at the time i was in a bit of a mess with money and its now causeing me issues 3 years on all for £117. I turns out Orange dont have to notify you about getting a default i find it poor as its causeing issue now for me. Its not only till now i have found out. I have a contacted them again last night and told them to forward it to there team leader. Anyone got any options or do i just keep going at it everyday till they give up? thing what gets me after i had cleared the debt i took a new contact out with this and never missed a payment since and even then its £60-80 a month. I have also expalined i am a customer with then at the moment and been with them some time but nope still not interested.

see below from me

Dear Sir or Madam
In relation to a default that ORANGE issued against me dated 2009. Normally when a default is issued the lender is required by law to send a pre-default warning letter. This gives the customer a final 30 days to pay up, and also explains exactly what a default is and how it might affect access to credit in the future.


I gather the Mobile Phone companies are not regulated by the Consumer Act 1974 and therefore are not required by law to send an official default warning letter.


However, there was an official contract in place between ORANGE and myself and this therefore is covered by Contract Law. Clearly there was a 'breach of contract' and therefore ORANGE have lawfully obliged to send notice of this breach, and to have given a reasonable amount of time for the breach to be remedied.
Clearly not followed the official guidelines set out by Contract Law and therefore the Default is unlawful and should be removed.


This is really not helping me at all as this is having stress and causeing me problems to provide a roof for my family. I am Disgusted with Orange (EE) considering i pay over the odds every month £ 70 for a contact i have had with you for the last 4 years and your not willing to remove this as a good will gesture as i am one good customers. I am asking for this to be removed as a good will gesture i understand the data held with the credit agency correct because this was a mistake as i had lost my job at the time. You have to understand we are not talking a lot of money we are talking £117 was was paid . If this is not removed i will be contacting the CEO of Orange and forwarding these email trails as this is poor service and that i have been with you for over 6 years from my previous contact this is bad service. If this does not get removed i will not be renewing my contact with you currently what i have.



I look forward to your reply and I thank you for your time.
Yours faithfully


From them today



Thank you for your response. Your recent query has been escalated to me by the Credit Referrals Team Manager to review.



We apologize for the inconvenience that this matter has caused you. We acknowledge the comments within your original e-mail; however, we are unable to amend the details on your credit file as they are correct. They are recorded in accordance with the terms and conditions of Orange. While we agree that the account had defaulted due to the job concerns, we are unable to amend your credit.



Also, regarding your query of rectifying the records from your credit file, unfortunately on this occasion we are unable to rectify this and will be on your credit file for 6 years from the default date.



With reference to your query regarding complaints procedure, our customer service helpdesk would deal with any complaints you have, as we can only deal with the credit file queries. You can reach them by calling on 07973 100150.



I appreciate that this may not be your desired outcome however we are unable to help you in this matter.



Tanushri Pal Chowdhury
Credit Referrals

any ideas ????
 
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Reading what you've posted so far and from experience I think you're pretty lucky to have escaped getting a CCJ recorded on your credit report care of Orange - they don't hang around applying to recover debts in court once they've terminated service which happens about a month after they've placed an outgoing call bar to your handset.

Take it on the chin as a life lesson and either use the next couple of years to save a bigger deposit or find a mortgage provider who will offer you terms on your credit history - this isn't Oranges fault or problem and in fact is the reason why credit scoring agencies exist. As for the contract notice, the T&C's pretty much say as long as you pay they'll provide you with a service, if you fail to pay they will cancel the service and take you to court to recover anything you owe them. By using the phone you've agreed to the terms they set out and the actions they would take if you breach them and had a 14 day cooling of period when you started the contract to walk away if you didn't agree with what they offered you.

If I still worked there I would have tried to look into it for you, but I really doubt you'd get any other outcome. When I finished working for them due to ill health I also ran into money troubles for a month or two and had my own previously staff phone disconnected and well you know what happens then...
 
I highly doubt that Orange will remove it from your record, as they have said the information is correct and therefore it still stands. They are unable to remove it from your record as this would mean your score is not an accurate record of your history.

As others have advised you may be best going to a broker who may be able to pinpoint which mortgage providers are more likely to offer you some credit.
 
From all I've read above it seem's an appropriate "mark" on your file tbh, a debt left unpaid for 3 months to the point you were cut off? PITA tho and the issues it could create when applying for credit elsewhere will be horrid :(
 
I think you've exhausted the path of trying to get Orange to remove the default. My wife had a similar problem, though with Barclays. We took it as far as we could, even to the financial ombudsman, without luck. Grudgingly I have to accept that Barclays were right, though like most people in this situation, there were mitigating circumstances. One further step to take is to write a letter to the credit agencies showing the default and ask them to append a note stating the reasons the default happened and that you paid it all off as soon as you could. It might not change a lender's final decision, but they DO have to take the note into account.

On the other hand, my wife was readily accepted for a joint mortgage application through our bank, so it turned out not to be as big a problem as we'd feared. Your own bank will keep an internal credit rating for you anyway and they might still see you as an excellent prospect for mortgage lending. Failing that, a broker will doubtless be able to turn something up. You might not get your pick of the very best rates, but I doubt there'll be a problem getting something competitive, assuming your credit score is otherwise ok.
 
How long did you miss payments for? If it was for 6 months then there is nothing you can do. It is irrelevant if you paid it off 1 day, 1 minute or whatever after it went to default.
 
You are just going to have to put up with it. This is the reason that the credit reference agencies exist. If you could just write to people and have things removed (unless there is a genuine reason why it shouldn't be on there) then what would be the point?

You could try different mortgage lenders that may look upon your situation more favourably. If none of the mainstream lenders will accept you then there are plenty of semi prime/sub prime lenders out there, you will just have to pay accept a higher interest rate to cover the cost of the increased risk (to the lender) of having you as a customer.
 
thanks for your advice guys really doing my head in. Just one small mistake can take 6 years to recover from. Why 6 years it dont make sense. Funny thing is i have a crdit card with capital one and got excepted 1st time 2 years ago. I will contac the agencys see if they can put a note on it till it drops off. Find it odd tho i seen people with scores of 900+ with a good credit with 1 default and cant get thing. bit wrong really
 
muon said:
You earn 28k and have a 15k deposit.

At even a generous 4x salary, a maximum mortgage is £112k on a ~90% LTV mortgage.
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And?

Plenty of properties around Cheshire for £100k

I don't think the loan amount is the reason for the rejection.
 
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