Mobile Phone (Again)
I had a similar situation many years back, I purchased the mobile phone on a plan and asked for insurance of the phone to be included (they were expensive back then). One day whilst in the Post Office I left the phone on a desktop and only realised as I got back to my car (parked directly opposite), by the time (2 mins) I returned to the Post Office it was gone.
Turns out there was no insurance included with the mobile phone no matter what I’d thought and as per the discussion with the sales person (my blue, should’ve checked the paperwork thoroughly) anyway I still argued the point and thought I’d had a win with the Telco.
Years later when applying for a loan it turns out I had the debt registered on my credit file (maybe I didn’t really win, they just gave up arguing). I paid the debt to clear the file and wrote a letter explaining the scenario which was attached with my loan application via the broker. They must have been happy, as the loan went through (as did the next).
Credit is apparently tighter at the moment though, maybe one of the brokers can assist as i'm sure there are other types of stories?
Change of Address resulting in a bill missed and default lodged
Dispute (me) resulting in a default lodged
Seperation or Divorce, Business failure resulting in a bill missed and default lodged
Incorrect direct debit details in a bill missed and default lodged