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2 years ago i had a contract phone & due to a dramatic change in circumstance (splitting from long term boyfriend) i couldnt afford it anymore. I rang & asked what could be done & was told i had to pay the entire contract length (£300). Of course if i could have afforded this i wouldnt have had to quit the contract so i stopped the direct debit. After moving and getting settled i contacted the company in writing & they never replied. Well 2 years later i have the default as a black mark on a otherwise great credit file - followed by a settled mark. It has dropped my rating to 568/1000 which isnt gonna get me the loan i want for my bus. i recently got a credit card & was accepted thogh this hasnt shown up on my rating yet.So is there any point contacting the old phone people or am i gonna get stuck with a 300 bill & how will the credit card apply to my credit file points wise.All my accounts are up to date. i have just below average amounts of accounts.DONT REPLY IF U DONT KNOW! ta.
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