Hi,

Wondering if someone can offer me some advice.

Recently I got a copy of my Equifax report and notice a BT default registered on there from 2009 (this default/account doesn't appear on my Call Credit or Experian reports - which is why I wasn't aware of this until recently as I'd only really ever used the Call Credit one).

The default amount is £62 and has markers of 1st late payment in May 2009, Query in June, July and August 2009 and September 2009 is the default marker. This was an account at a previous address

. Now interestingly I also have another BT account registered on my Equifax report, which opened in June 2009 at the same previous address - I don't know what's going on and I can't remember any issues at the time - though it was 6 years ago and I think it's weird that there's two accounts at the same address open at the same time....

, I have no paperwork for these accounts any more - the 2nd account was settled in June 2011 when I moved out.

What I'm wondering is - will/can BT issue a CCJ for this amount?

I'm sooooo close to having a credit record clear of all issues (I had previous defaults with credit cards which have now come off last year and I'm trying to clean everything up to get a mortgage in a couple of years, hence why I'm checking my reports)

. Should I try and pay this amount off just so BT don't take it any further? Or should I stick it out until 30/09/2015 which is the 6 year point (and I'm guessing the statute barred date too as I've not made any payments to this account or been in contact with them about it?

I'm currently in Scotland but debt was at an English address - don't know if that makes a difference) Help please!!

Thanks

Being Scotland makes no odds

You opened it in England

I'd let it run

BT don't do consumer debts they sell them on

Dx

Hi and welcome to CAG

I would suggest doing nothing. You say the default was placed in September 2009 so by the same date this year (or within 28 days of it) the default will fall off your credit file.

If anyone ever tried to take this to court, you have an absolute defence. Statute Barred!

Thank you both - so no-one (I'm assuming it's been sold on?) will attempt to take it further between now and end of September and file a CCJ against me? Whoever has the debt obviously doesn't have my up to date address - just nervous that after waiting so long for my other defaults I'm "this" close to having no bad debts on my record and stuck with this one and don't want it messed up LOL!

Thanks again

I doubt even the bottom feeding DCA's will issue for £64!

Thanks!

Are BT still shown as the owner on the cra

And any other such accounts

Is it only listed under BT?

Or has a dca got it?

Dx

Are BT still shown as the owner on the cra

And any other such accounts

 

Is it only listed under BT?

Or has a dca got it?

 

Dx

It's on Equifax as "Communications Supplier from Bt Consumer (I)" - I don't have any other defaulted accounts on my report so no 'duplicates' relating to the same debt. If it had been sold would the name have changed from BT?

yes it would not say BT

a dca wont bother with a £64 debt

the only issue is

you say its registered under an old address

there would be nothing stopping a debt buyer from sending all letters to there

and the claimform

and getting a default CCJ because you didn't know about it

its always worthy to let your creditor know your new addresses.

dx

Am I best to contact BT then to update my address? If I contact them would that not mean I'm acknowledging the debt and I wouldn't be able to claim it was statute barred?

thanks for your help

If you did contact them (not recommended) any information short of saying 'yes this is my debt' which may be recorded will have no effect.

In my opinion, this debt has been Statute Barred since June/July 2009 so once Barred can never be unbarred.

No communication is necessary, the default will disappear.

ok, thanks.

I know people here have said that a DCA won't bother with such a small amount,

but as it looks like it's still with BT, would they?

Or could they have started CCJ proceedings without my knowledge before the statute barred date

(would something have appeared on my credit report if they'd done something in May for instance)

- sorry, I'm being super paranoid here

- I feel like I just want to pay it and get it off my mind lol

I don't mind them having my updated address,

would sending them an email stating my old address

and that I have a new address which any correspondence should be sent to affect anything?

Thanks again and sorry for being paranoid!

ok, thanks.

 

I know people here have said that a DCA won't bother with such a small amount,

but as it looks like it's still with BT, would they? - no bt wont.

Or could they have started CCJ proceedings without my knowledge before the statute barred date

(would something have appeared on my credit report if they'd done something in May for instance)

- only a granted CCJ would show but bt don't do CCJ's, they'd sell it on

- sorry, I'm being super paranoid here

- I feel like I just want to pay it and get it off my mind lol

 

I don't mind them having my updated address,

would sending them an email stating my old address

and that I have a new address which any correspondence should be sent to affect anything?

 

Thanks again and sorry for being paranoid!

there would be no harm in sending BT an email with ref to the old account and informing them that all comms must be sent to XX address

dx

IF, and it is a big IF any court action was taken and you lost, you have up to 28 days to pay before any judgement is registered on your credit file.

BT make millions in proft (if not billions) and as such £64 is a drop in the ocean. They have forgotten about you. I suggest you do the same.

Don't worry until there is something to worry about. (I use that daily)