telewest, late charges, and credit history

[unixguy]

Hello,

I have quite a predicament on my hands. Recently I have been refused a number of credit applications so I have checked my credit history and it turned out that I have there the following record.

Name and Address: ********************
Company name: TELEWEST BROADBAND
Account type: Communications
Started: 25/06/2002
Current Balance: 77
Settled On: 27/09/2004
File updated for period to: 03/10/2004
Status History: [1]11112111
(brackets indicate most recent status) []


As far as I understand it effectively means that I still owe them 77 quid and they have settled the account in Sep 2004 without pursuing me for this money out of goodnes of their heart. It also means that my account was always in arrears.

Admitedly I was not very accurate paying in time I usually paid when they sent me a reminder to pay. I had no idea that they will be so harsh and ruin my otherwise very good credit history. I have many other credit account and there is no single late payment record im my account history, except this one.

I am sure that I have paid the account in full when I closed it and I do not owe anything to telewest.

I have called telewest, explained the situation and requested to clean it up immediately. I said that they have commited act of defamation and as result my reputation and good name was damaged and I was unable to get access to credit with a reasonable rates. I asked them to remove the record from my credit history completely. They confirmed that I do not owe them anything and agreed to send update to my record which would be updated on 15th of July. After I escalated the issue to a manager they promized to do it 'next week'.

I also asked them to send me a letter stating that I do not owe them any money so that I can use it to appeal credit refusals. They refused to do it, even though I insisted and threatened with a legal action.

Unfortunately I do not have any statements available. I had an account with them in 2002-2004. Can someone tell me if they used to charge late fees than?

Could someone advise what options do I have please. Basically, what I am after is removal of that record from my credit history and refund of late fees if any.

I am preparing Data Protection Act request.

[woolfie]

As you have said, I think the first thing to do is send them a Data Protection Act request. Then you will have everything you need to take the action required.

It would appear that they believe that you still owe them £77 and I assume this is why your account has never been closed.

Once you have your statements etc. post back on here and let us know whats going on.

You will be able to claim back any unlawful charges and you should also be able to force them to remove the default.

Woolfie

[Donel261]

I am in negotiation with telewest broadband about a default notice on my credit file for £50. I told them I have never received a default notice, can they substantiate the data and provide me with a copy of the credit agreement and the notices they say have been issued. After about three letters they have said your file is destroyed after 12 months however here is a print out of your account and templates of the letters we would have sent you.

Not good enough, I didn't receive the default, I want it off my record, if they can't prove they did it correctly. Let you know how I go.