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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
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Old 15th June 2007, 06:39   #1 (permalink)
brokeman
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Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 9
brokeman Novitiate
Default Gas prepay meters - why do we still get bills?

A few years back I lived in a rented house which had prepay electric and gas meters already installed.
As its a bit of a nuisance to get these changed I left them in.

A few years after I moved out of that house I got a call from my mum saying I had received a letter from Wescot Debt collection agency about a unpaid BG bill.
I remember receiving these bills as I had my mail redirected and I was always on the the phone to BG "customer service" and always got the reply that they know that I was on prepaid and it was just an error and to ignore it.

How Wescot traced me to my mum's house is beyond me as I had never lived there, they just got lucky I guess but I think sending a letter out blind like that may have infringed some of my Data Protection rights.
So after 6 months of arguments between Wescot, BG and myself, December 2005, the matter got sorted....or so I thought.

Three montsh ago my wife and I were buying a new house, part of the process being a credit check.
Our financial advisor informed us that the product we had been offered was no longer available to us due to a defualt on my credit record.
I was livid when he said this. So I contacted Experian for my credit file and there it was my default , lodged by Wescot.
I know I can get this cleared off my record but can I take any action aginst the two companies involved for wrongfully damaging my credit rating and costing us extra fee's for our financial advisor and having to get a more expensive mortgage?
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