I have only today found out a mortgage application is being declined because ID Mobile have placed a default of £10 against my credit rating. When I cancelled the plan i was informed that there was nothing left to pay.
I was contacted by a debt collection agency months after cancelling the plan. I disputed the debt and provided evidence of ID confirming that there was nothing left to pay. Following this the credit agency confirmed no further action was being taken.
A year later i am finding out that this has been lodged against my credit rating and is preventing me from i buying a home. I have raised a complaint with ID and have been told I have to wait 3 days for someone to get back to me (which means I will potentially loose the house I have put an offer on). I have tried calling ID but there call centers don’t work. I have tried emailing ID and the response time is 5 working days. I cant believe that ID have done this without informing me.
This has been devastating in terms of our ability to get our first home (which should have been a happy occasion)
Best answer by Ryan
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