Recieved a T-Mobile bill.

Droolinggimp

Droolinggimp

Droolinggimp

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Addressed to some random person but with MY address on.

I know we are not supposed to open letters not addressed to ourselves but having a bill come through with my address on and someone elses name I was curious. The bill is for £142 and has not been fully paid for a few months. He is using more minutes and texts than his plan allows.

I am worried that this could have an effect on my house, eg, bad credit/blacklisting etc.

I have called T-Mobile and couldnt get through to them on 3 occasions yesterday.:mad:

I will try again later. This has really annoyed me as the other week I had my Debit card details stolen and used. That has been sorted just about. The card has been stopped etc. I was a little concerned wether or not this bill has something to do with it. It didnt as some payments were made to T-Mobile 2 months ago.

Your thoughts on this please..
 
go to a store on the high street? they should have direct numbers, yes it will affect your credit rating, however let them know your current circumstance about your cards been stolen and they may be able to put it through and resolve the issue
 
Is the T-mobile bill the first bill? If not it might just be an admin error, e.g. the named recipient has just moved into the area and their new address was recorded incorrectly?

Shame you opened it really as I would have just returned it "Not known at this address"...
 
I had that at previous place I stayed at. It didn't effect my credit rating (that I'm aware of, I did get an equifax report), and once I got back to the utilities, and the other stuff (purchases etc) I either rang back or put no longer at this address and returned it.

I think most places will be good about it once you explain what is going on, but it is certainly annoying!
 
uk_viper said:
go to a store on the high street? they should have direct numbers, yes it will affect your credit rating, however let them know your current circumstance about your cards been stolen and they may be able to put it through and resolve the issue
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Good idea shame I cant make it to town till Friday afternoon at the earliest. I shall ring up a shop in Derby and see what they say first..
 
Mat said:
Is the T-mobile bill the first bill? If not it might just be an admin error, e.g. the named recipient has just moved into the area and their new address was recorded incorrectly?

Shame you opened it really as I would have just returned it "Not known at this address"...
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Not sure if its the first bill but there had been 2 payments last month. Still makes him owe lots though.. Juts checked and the total bill is for £169.
 
Be prepared to provide contact information and information on how you discovered the account.

Opening someone elses post might work against you here but given the circumstances they might overlook it... If they get in touch with the named recipient though, they might have something to say about it but then you have a good counter claim... (just thought that through as I typed it :D)
 
I could always say the window on the letter covered the top 2 lines . Thus covering the name. I thought it was a spam letter of some sort. I did use to be with T-Mobile a few years ago.:)
 
Ok The link to T-Mobile was for the US site. I have found the UK version and promtly filled in thier Fraud page with details of the letter and my contact details. Also added the fact I had my card details stolen a few wekeks agao too. I should be called soon regarding this issue...
 
droolinggimp said:
I am worried that this could have an effect on my house, eg, bad credit/blacklisting etc.
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It certainly shouldn't affect your credit rating, as that is linked to a person, not an address.

However, get in touch with T-Mobile ASAP, as there may well be a fraud of some sort going on, not worth taking any chances nowadays with the abundance of identity theft etc.
 
uk_viper said:
yes it will affect your credit rating
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Unless you have experienced otherwise it won't affect your credit rating. I had an ex who ran up a lot of debts at my old house in her name (a few thousand quid) and it has never affected my ability to get loans/mortgages, having got a recent credit report nothing shows up about any of that either.

Credit ratings are personal and are not tied to the property. You may get some demanding letters, but so long as you can supply the evidence that the person either doesn't live there or has moved on then that is all that is needed.
 
I would do as above and go into an actual T-Mobile store if you have one close to you - they will be able to let you use direct lines or even be able to help you out in the store!

If your card has been cancelled they money won't come out and I would think the bank would let them know it is fraudulent transactions.

I hope it goes OK bud!

Rich
 
kefkef said:
Unless you have experienced otherwise it won't affect your credit rating. I had an ex who ran up a lot of debts at my old house in her name (a few thousand quid) and it has never affected my ability to get loans/mortgages, having got a recent credit report nothing shows up about any of that either.

Credit ratings are personal and are not tied to the property. You may get some demanding letters, but so long as you can supply the evidence that the person either doesn't live there or has moved on then that is all that is needed.
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yes i did experience it after orange "accidently" charged the direct debit 4 times! total costing of nearly £600 and boucing my account, they reverted the charge however they wern't going to take responsibility and notify experium
 
uk_viper said:
yes i did experience it after orange "accidently" charged the direct debit 4 times! total costing of nearly £600 and boucing my account, they reverted the charge however they wern't going to take responsibility and notify experium
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That's not the same as the above scenario. By what you say, it was your Orange account that direct debited your bank account, causing an entry to be put on your credit report (see where i'm going with this?), even if it isn't your fault. To remove that should only take a few minutes of your time and the cost of a couple of her majesties pound notes (not fair i know, but well worth it).

With the OP above if i read it correctly, it is a bill not in his name, not direct debiting from his bank account (but from someone elses account) so that won't cause an entry to be put on his credit report.

Just re-read that and it sounds a bit condescending, it's not meant to be, just some advice. Kef
 
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It shouldn't affect your credit rating at all, there is no such thing as 'black listing a house'. Your credit file is personal to you and had nothing to do with the address that you live at, apart from being on the voters roll there which improves your credit file. The only way it could effect you is if you ever had a joint account/loan etc. with the person in which case a financial link would be created on your credit report.
 
Gone are the days when addresses could "pollute your credit rating".
Things have moved on and with all of the credit houses sharing data these days credit ratings are happily tied down to individuals rather than an address.

I'd be tempted to contact T-Mobile and just explain the situation anyway.
 
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