Hi,

Just received an update to my credit file,

a default registered this month for an account with a start of 2006.

Its British Gas from a really old address.

Since moving i have always been on the electoral role and stayed at addresses for 2-3 years.

I have been at my current address for 3 years.

I have not received a default notice to my current address.

Does statute barred work for getting this default removed?

Or maybe if i pay this old bill i can negotiate with British Gas given that I've not had a default notice through to my current address? or Something?

Its been very damaging to what was a recovering credit rating

~D

They can't register this default on your record, as it is not within the last 6 years.

It is a dead debt and they can't suddenly resuscitate it on your credit record.

You should send a complaint letter by recorded delivery to BG head office for attention of head of compliance/Data Protection, asking them to remove the default, as it relates to a matter covered by limitations act i.e more than 6 years ago. Failure to remove, will result in a formal complaint to the ICO and a request for financial compensation.

Perfect,

so it IS covered by the statute of limitations,

I had read somewhere that this prevented legal proceedings

but couldn't find anything definitive about them being able to serve default notices.

Thanks very much!

~D

.. Email: [email protected]

Thanks!

Any templates/recommendations for content?

~D

Mr Mark Hodges Managing Director

Email [email protected]

slow down.

is the name of the account owner on the credit file British Gas or is it a DCA?

what is the date of the default

when did you last pay them anything?

std questions

just need background please

Following - as I've just had exactly the same thing happen to me, a default registered on Jan 14th for a house I have not lived at since 2010.

Following - as I've just had exactly the same thing happen to me, a default registered on Jan 14th for a house I have not lived at since 2010.

And who has registered yours Scary BG or DCA ?

British Gas

hello looks like some junior has clicked the wrong box on their system then..

might be worthy to start a new thread of your own as well

dx

slow down.

 

is the name of the account owner on the credit file British Gas or is it a DCA?

 

what is the date of the default

 

when did you last pay them anything?

 

std questions

just need background please

Account Start Date - 15/07/2006

Default Date - 14/01/2017

Registered By - British Gas

Last Paid something - 2006 I would imagine

Last contact - none since i last paid

Thx

gotta be an admin error.

give 'em a ring

dx

Dropped them an email thanks =)

Hi,

Just a quick update to say I've had no response/acknowledgement of my email after 2 weeks, so I have sent another letting them know I'm still waiting for a response.

Disputed with CRA's and BG have responded to them that the information is correct.

Thanks,

~D

Following - as I've just had exactly the same thing happen to me, a default registered on Jan 14th for a house I have not lived at since 2010.

Did you get anywhere with your's Scary?

no because he keeps sending emails that will be ignored##WRITE to their complaint dept.

Hi,

4 weeks no response over email, despite that being the method prescribed online and by the ombudsman.

Sending a SAR and complaint letter simultaneously in the morning.

~D

Hi - I contacted Equifax an asked them to put a correction on my file, which they did. They also wrote to British gas to clarification. They have now emailed me to say that they have removed the entry from BG from my credit file as BG have not responded.

Thanks for the update Scary!

I've got an outstanding dispute with Call Credit and Equifax, both are yet to confirm the result. The first response i got was that it was legitimate and wont be removed, but when i drew their attention to the date responded to state that BG re-entered the information on my file.... This suggests to me that they are keeping more than any 6 years worth of history to know that it was there previously, but it shows promise that it might be removed though!

I might just hang fire on the complaint actually and see if they come back to me since you've had better luck than i would have expected.

I did have a separate little win... O2 reported incorrect info for a settled account and paid out a little compensation, always nice!

Cheers

~D

I haven't checked any of the other credit agencies, but I should do. Well done on the O2 report. I have an outstanding dispute with South West water too for incorrect reporting that I need to correct.