I had the identical same experience as another poster on here with a phantom 3mobile bill not in my legal name. I was continually harassed with this , Lowell say i owed £127 to 3 in 2018 and filed a credit default.I sent endless 'prove it 'letters and they admitted they had no copy of any actual contract but that the sim being used was proof enough and kept demanding .I was advised by Christine the lady I spoke to yesterday morning to pay the balance and that this would help my credit rating which plummeted because of the default,I had already had referred the case to the Ombudsman and reported it as fraud.At no point did Christine advise me that paying would admit my liability for the debt and end the Ombudsman enquiry.I only found this out because i rang Lowell back to get an email receipt which hadn't arrive, and the next advisor Lesley told me and also advised to try to get the payment back from my bank who refused . My bank refused ,they needed confirmation that Lowell misled me ,Lowell refused .I spent all day on the phone being bounced around and cut off randomly ,each advisor contradicted the last there is no accountability and it is clear they just do whatever they want to people and enjoy the power of it . They are the absolute worst most dishonest company ever.Their complaints procedure is a joke and they will never admit fault or reverse a decision.
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