Will this affect my credit score ? vulnerable customer makes genuine mistake, duplicate sim only plan final bill passed to debt collect

Duplicate sim only plan, ordered by vulnerable customer, by mistake:  disappointed iD were not a little more flexible & understanding.

Will this affect my credit score ?

Unfortunately for me this was a complete accident/mistake I have made all by myself. I get very overwhelmed by emails at times and miss important ones quite frequently. I only needed a letter to be sent by iD and I would have responded or just paid in full. 

Noticed in June ‘24 : two separate DD payments from my bank to iD mobile each month 

and realised I'd ordered two sim only plans by mistake, I'd been in a panic to find a new provider when I remembered Plusnet mobile were shutting down early 2024. I think this may have been why I was more overwhelmed than usual by all the sim only offers …. I chose an iD sim only plan. 

I rang iD early June ‘24 explained fully I'd duplicated the order b y mistake & asked for the 2nd account to be terminated

I spoke to iD on the phone in early june '24, this is when i explained the mistake i must have made, and I requested the disconnection of the one sim I hadn't used, and made a plea for some understanding and flexibility regarding the future payments, especially as I was paying for an exact duplicate.  The termination was finally completed in September, 3 months after I requested it, and a final bill generated the fay after.  I've looked back and I only received one email regarding the final payment that was due, but as I had foolishly cancelled the DD in august and completely missed the ONE email with details of my final bill ……. the debt was passed to the debt collecting agency.

I have just received a letter from a debt collecting agency 

I had missed only ONE email containing the details of my final bill. £32.36 …..and  I was an idiot to think that iD would wave the minimum period under these circumstances. So I am to pay for the whole 12 months and I missed out on the amazon vouchers too . This stings because it was a genuine mistake made by a vulnerable person.  What stings more is this could affect my credit rating now. 🙄

Hi @lornatao 

I’m sorry you feel this way, however it would be the responsibility of the account holder to make payments on time to their account(s), if payments are unpaid for a time, a final demand letter would be sent.

Missed payments would likely affect your credit rating, genuine mistake or not.

It may be best to contact the vulnerable customers team.

https://www.idmobile.co.uk/legal/accessibility

Tom