EE ruined my credit score

[Vasilis_M]

I had been an EE mobile and broadband customer for more than ten years. 

Last year (May 2018) I changed the phone provider and closed my mobile account.

I removed my Direct Debit from my EE mobile account for safety reasons. However, I continued being on EE broadband.

Months later I found out that there was a default in my credit rating because of an £18 unpaid EE mobile bill. When I closed my account I believed I had paid everything off. Unfortunately, I didn't receive any communication from them either by email or phone regarding this issue. I paid the bill as soon as I found out and I also closed my broadband account around the same time (March 2019).

I contacted EE and they refused to remove the default. 

This stigmatizing practice is infuriating and unethical, especially when it is used against unsuspected and loyal customers. My credit rating has plummeted (and the default will remain for six years) and it is impossible for me to get a mortgage now, because of an £18 bill which I was unaware of.

What would be the best way to deal with it?

[MozzaSec]

You ruined your own credit reports by not making payment as per the terms and conditions, and it doesn't matter the amount. 

EE have a legal duty to report accounts to the CRA's for all payments and missed payments, they dont have a choice about this, its part of the FCA rules.  It not mean its the rules.

EE send more than letters, they send texts, emails and calls, if you choose to ignore them, then thats your look out.

At the end of the day you failed in your duty to make the payments as per your t&c's that you read and agreed to..   

BT dont need the £18 but at the end of the day you owed it, you didnt pay it, you take the consequences... 

It sounds like you tried a fast one, and got caught....

[Vasilis_M]

dude..have you read the thread? I received not text, no email, no phone call. A letter. To an address I didn’t live any longer. I paid my final bill and closed the account. The £18 was a remaining that I wasn’t aware of during the time I closed the account. At the same time I was a EE broadband customer. I kept paying them from the same bank account while they were marking my credit file for the other account. Unbeknownst to me. It’s just too ridiculous. Too mean. 

PS big lolz for your “trying a fast one”. Right. 

[Vasilis_M]

They reached out. They didn’t get in touch with me. Learn the language bro.

PS reached out via mail. And only mail. As if we’re still in the 18th century or something. 

[Annoyed12]

It’s just good enough. Why should anyone give their hard earned cash to EE when they might completely mess their lives up

Sent from my iPhone

[Annoyed12]

Paid to say this to us… man your on the wrong side of…everything, life etc !! There are the good guys (not you) and then there are the BADGUYS , poor people stamping on other poor people to try and get rich..it just doesn’t work? You’re being used ? come on wake up and smell the phone bill

Sent from my iPhone

[CB000]

There is no justifiable argument on this issue.

[BrendonH]

The only people that don't have an argument here is people like you who think it's acceptable to not pay what they owe.

It doesn't matter how much it is. EE is not a charity.

EE is a business. They are not out there to let people have free stuff. They are there to make money. It's how all businesses work.

[Bradders84]

Yep - 100% correct

A year or so I replied to this topic and subscribed as I was so hacked off with what EE did to my wife with their underhand tactics to screw ex customers out of money and then leave marks on their credit report which they then arrogantly refuse to fix even when there is clear evidence of them not following their OWN contract and procedures. 

regardless - we ended up securing our mortgage and are on the other side of this total farce. And the mark has now fallen off my wife’s credit report as it’s more than 6 years ago. 

However - and I 100% genuinely mean this - I will NEVER use EE ever again, despite having previous good experience of their network coverage and products. Their service and humility is in the gutter - and they will never receive a penny from me. I will also be sure to encourage family and friends to stay away from them and their products - to protect themselves from EE and their robotic ‘computer says no’ way of dealing with people. 

0 trust in this company. Absolute trash. 

[Vasilis_M]

Nobody here complained because they just did not want to pay. You keep repeating what you want and not what the issues is here.

[Vasilis_M]

Same here.

EE marked my file but we did get a mortgage in the end. EE tactics was absolutely unacceptable, being a customer for 12 years, paying them thousands of pounds, to only being thought of what? try to avoid paying £18?

I would have taken it to Ombudsman but it was too late when I seriously considered it (it has to be done within 12 months). 

Not paying a penny to EE again even if they sometimes offer the best deal. I also recommend friends and family to avoid EE.