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bruss49

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  1. Hi All, I was wondering if anyone had any advice. Bit of background, In all my life I have never missed a payment for anything. In May last year I should have paid an electric/gas bill with Npower on a property I was selling. I had a bit of a personal crisis going on (depression) and missed the final bill from npower. I (apparently) contacted them to say i would pay the bill by the 1st June, and then through being in a depression completely forgot. (was for around £180). I then sold the house. The 1st of June came and went. This week I applied for a credit card and was refused. I then looked into my credit file and found that the npower account has -6 months on it since then. (I dont think they actually issued a default notice but im not sure). I contacted them to say there must have been a mistake and they told me i had rang and promised them the payment in June last year (I dont remember this). I Paid this immediately in full, very embarassed. However, we I said i couldnt believe they hadnt contacted me, they said it was because Id agreed a payment date, and all my contact preferences were set to email only..... I never received 1 email, although they said they sent a few. Could someone offer me any advice please as to how to clear my credit file of this? your help would be very much appreciated. regards bruss
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