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DaggaDagga · 13-04-2006, 11:33

Court judgements would badly affect your credit rating, i.e. if a company sues you and the court rules in their favour.

If you go to court and tell them they failed to deliver their side of the contract then they won't get a judgement against you.

I suspect that, in reality, no company would sue a subscriber in such circumstances. It would backfire and make them look like muppets.

However, I don't know whether the likes of ISPs directly report to credit rating companies. I got my credit report and, for my credit card - there is a string of numbers that shows how much in arrears for the previous few years I was. Where I'd forgotten to pay for a couple of months once (before the days of direct debits), a "2" was shown, e.g. 000001000120000. Of course, this alone wouldn't stop you getting credit, but it would be a factor and may mean you pay a higher interest rate in future.

13-04-2006, 11:33	#159
DaggaDagga Inactive Join Date: Oct 2005 Location: Hampshire Services: Royal Mail snail mail. No telly. Wind-up gramophone. Posts: 125,837.56 Posts: 385	Re: [Merged] Car Phone Warehouse BB Court judgements would badly affect your credit rating, i.e. if a company sues you and the court rules in their favour. If you go to court and tell them they failed to deliver their side of the contract then they won't get a judgement against you. I suspect that, in reality, no company would sue a subscriber in such circumstances. It would backfire and make them look like muppets. However, I don't know whether the likes of ISPs directly report to credit rating companies. I got my credit report and, for my credit card - there is a string of numbers that shows how much in arrears for the previous few years I was. Where I'd forgotten to pay for a couple of months once (before the days of direct debits), a "2" was shown, e.g. 000001000120000. Of course, this alone wouldn't stop you getting credit, but it would be a factor and may mean you pay a higher interest rate in future.