RE: just happened to me
>> For what its worth I've been told by several people who work for credit companies that they ignore anything on a credit history from any telecoms company for this exact reason.
I can tell you that is not universal - though it should be. I had a "disagreement" with Orange back in 2003 and their complete and utter refusal to employ anything that might even tenuously be described as reasonable practice meant that they eventually put a default notice on my file. Since I had no desire whatsoever to have any more contact with the <insert derogatory term of your choice> numpties at Orange, I just ignored it on the basis that :
a) any sensible person would be able to see that it's completely out of character (there are several other mobile accounts listed, all in good standing)
b) it's from a company with a well established track record of being <insert derogatory term of your choice> incompetent idiots
and c) it would expire in a couple of years anyway.
I recently applied for a new mortgage - and one of the stipulation is that I have to clear the bad debt.
Fortunately, the rules for CISAS have now changed, so this IS going to arbitration for which Orange will have to pay - previously they could prevent it by making excuses to refuse to provide a deadlock letter. Of course, Orange could do the sensible thing, admit their error and apologise - but my money is on them dragging it out and hopefully getting ordered to apologise by the arbitrator.
And I'll be asking to be paid what they owe me as well !