I posted the situation at the start of the thread - I had a letter re a t mobile account ( the last I had to do with t mobile was years ago, at least 5-6 before I moved cross country) and then in may I had a letter from past due re an account. I closed the account after moving to O2 having assumed it was closed properly. I have not heard anything since then. (5years if not more) Long story short they said basically the case was closed - fast forward 2 months and another letter has arrived. This has never been on my credit file for the past at least 18 months where I have been checking my credit due to mortgage applications after I recieved the letter from past due I checked my credit and was shocked to find a default on there. There has never been a letter asking for payment, this is the first time I even knew there was a possibly outstanding balance. The credit file says it defaulted 10/2/09 and the account was opened less than a year before. It states an address I lived at 2010-2013 and it has no late payment arrears only defaults from the dates listed on noddle.

There was never a repayment plan or demand for payment until a month or two ago. The documents I read were dated jan 2014

Brilliant. I saw on the ICO website that a default is normally placed after 6 months of late payment arrears, which is what you said. Is there anything I need to say specifically (in terms of quoting things!) so that they will understand, or is it literally 'I am complaining that you have listed this default incorrectly as it has been 5 years since the account was in default and a default is supposed to be listed within 6 months of it defaulting. You have also listed all information incorrect, by listing no late payment information and only placing the account in default is incorrect' Again, thanks for your help. I'd like to get it solved properly and kick them right in the ass.

Ok - so shall I complain to past due or to t-mobile re the incorrect date put on the credit file? Thanks for all your help it's much appreciated

Just checked what Noddle says and it has from Nov 2012 to June 2014 as just 'DF' under every one - does this count? Thanks

That's what I thought - I have a previous HSBC which has a default on it but that was there from word dot. How will I know re the late payment markers? Sorry to sound a little stupid on the matter!

Hi, Thanks for replying. I can't honestly remember the last time I had anything to do with T-mobile - I moved across the country in 2010 but after speaking to family I was living at previously they don't recall any letters from t-mobile so I assumed it was closed as I intended. I check my credit all the time so not sure why it's suddenly popped up. I also have a contract with Orange/EE so surely if I had been owing money I would have failed a CC? thanks

Hi, received a letter from Past Due Credit back in May asking to 'contact them regarding an important matter' contact was made and they then wrote back a few weeks after to say they had closed the case and no one would contact me further. This morning I received another letter from Past Due, claiming the account was back open and to pay the amount by the end of July, que a phone call to a rude advisor and then a manager, who had said that t-mobile by now would have no record of me (the phone contact in question is at least 6 years old) I checked with the CRA where a default has literally been listed in the last few days (I check my credit on a regular basis due to having issues like this in the past) where the defaulted account is listed as 10/2/2009 but at my last address, which I didn't move to until 2010. I can't ever recall having a default notice sent from t-mobile at all, from that time period. I spoke t-mobile who gave me a number for sigma, who past due are working on behalf of. I'm not entirely sure what to do as I am certain I closed the account down but since having no correspondence with t-mobile since the account I'm shocked to have even received this letter, especially as they closed the case to start with! I know I should send t-mobile a SAR - but I'm also confused why the default date has an address I wasn't living at (does this matter?) I know the default only has 7 months until it comes off my credit file so is it worth chasing or leaving? The last thing I want is a CCJ. Thanks for any advice