Ok so had no reply, ow do I push for full removal, through continuing to exchange emails with united utilities or do i now go further? CAB, Small claims/ THANKS IN ADVANCE.

Thanks for that makes interesting reading! meant to say Consumer advisor don know where legal came from!

I'll set out an email tomorrow pointing out the similarities to that case, and that I shall be pushing for further removal rather than a change of score, thankyou for your help

Brilliant, thanks for answering.

Im going to reply by email, so do you think I should mention after consulting a legal adviser I shall be challenging to have the data taken off my credit file completely and that £81 compensation is not enough for a breach of date management.

Or should I keep quiet and go through other channels such as small claims? Just not sure of my next step, thanks

For those that can be bothered, this is my other thread -

http://www.consumeractiongroup.co.uk/forum/showthread.php?440550-United-Utilities-have-messed-up-my-credit-report.&p=4691260#post4691260.

To cut a long story short,

united utilities kept on trying and failing to set up my new direct debit with my new bank for around 6 months, they blamed me,

I blamed them, its gone back and forth and now this week they have finally admitted it was down to their processing error.

This left me with a 6 marked on my credit file which i wanted removing as it was not my fault.

So right now im not able to get credit due to this (this si the reason I found out about it in the 1st place,

had a perfect credit file, applied for a card transfer and was turned down so I looked into it).

I have been offered by United Utilities,

2 months worth of payments totaling £81. which would take me out of the current arrears I'm in with them,

and they would remove the 6 on my credit file to an I.

I have since learnt that the I stands for Instalment plan created.

Obviously I want the 6 off as it looks bad but is the I a better improvement?

Wouldn't this also look like I was still in debt though and paying through a plan?

Not sure which is better to have on my Credit File.

We are hoping to move next year which is why im looking at it now and preparing it in advance. thanks for any help.

Thanks for all that info, something for me to be going on with rather than feeling a bit lost/Useless!

I have so far managed to obtain my mobile phone records going as far back as October and have several calls from them to me and lengths. I always make notes anyway whilst on the phone to companies 9Watched my mum for many years so always take after her now!). When I called them this morning I was told by an advisor that my compaint had been logged and that my account is on hold due to it. I asked to him to read through every phone call and check the notes with which I had made.

There was 1 error in that on the 16th Dec, they called my mobile whilst I was driving, I asked them to call me back and the lady agreed a time to call me back the same day once I was sure to be at home. The next phone call I had off them was 14th Jan. There records show that she did speak to me and that I had promised to call them back with the hour??? Certainly wouldnt have said that as I was diriving up the M6 when she called!!

There was also another error where they have logged a call from the debt management dept. It shows that the lady who had called had no set up the direct debit as she had not taken payment. In truth she had not asked me for payment and the first time I was actually asked to make a payment was the phone call on the 14th January. I remember as I asked the girl was this the reason why my direct debit had not gone through and she said it was most likely why yes.

So annoying having to deal with all this due to someones error!! But thanks again anyway Ill keep you updated with what happens next.

Ok Ive sent a customer complaint email quoting the above, Also have had confirmation from Sky that my itemised Phone bill can be claimed through online services so will have to figure that out to have the evidence of contact.

So what should my next move be? Do I give them more time to answer now Im gaining the evidence or as someone mentioned above do I just to go the Small Claims court. I honestly dont care about compensation if Im honest I just want this removed from my credit file so would that also be the outcome from the small claims court, or would I have to do an alternative procedure to get that removed? Thanks

Hi, and thank you for replying, We get an E version of the phone bill, I shall have to check it out though if it will go that far back to let me print out.

I told each and every person who had called me that I had been over this process before and gave them the approx times. They never told me if they could see a log of the calls though.

No, I didnt recieve any correspondence to let me know either the Direct Debit had been cancelled -and If this was the case then surely my bank would have known it had been cancelled, as it stands I assume it just wasnt set up correctly.

So what should I do next? Call them and ask for copies of all correspondence, and times and dates of all phone calls made over the past 8 months.

Sorry It is still me! Had my email account hacked so unable to get into my other account!!

Hi

Just thought id post again, as expected not had a reply at all, Any idea what Ii should do next?

Vix

Thankyou both so much for replying. Right I will get a letter drafted today and sent out to the current CEO and financial CEO pp's in also, and let you know if i here from them in a couple of weeks.

Last year around May June I switched bank accounts from Barclays to Santander.

I changed all the direct debits over myself (yes i sat on the phone for over an hour

but was so paranoid about something going wrong

if i left it up to the banks to do so for peace of mind I did it myself).

Turns out I shouldn't have bothered!

The only 1 that I had a problem with was United Utilities.

I received a letter early September, followed by a phone call the same day saying I was in debt of around £120.

My direct debit had apparently been cancelled by the bank.

No chance I said, why would the bank cancel a direct debit.

I was assured it was the banks fault, set it up again over the phone for my new account and thought no more of it.

Just before Christmas I got another phone call saying my direct debit had been cancelled

and the last payment I had made was in May 2014.

I told them again that I had already had a phone call and set it up over the phone,

Then told I was wrong and nothing had been set up at all.

I checked my bank statements (I've learnt my lesson the hard way to keep checking more regularly)

and its true they haven't even set up the dd.

Let alone have the bank cancel it.

Again I spoke to someone on the 8th Jan and again gave my details to set it up, its due out 1st Feb so time will tell whether its been done.

More recently I tried to get a new credit card and was declined,

not sure why as I have never missed a payment on purpose in a long time

so just got my credit file today. United Utilities have added a 6 next to missed payments.

they have messed up my credit file because they cannot set up a direct debit themselves and would rather blame the bank.

I have contacted the bank who have told me they would not be able to cancel a direct debit without my say so.

therefore I'm left thinking it is United Utilities who are in the wrong.

Sorry this is turning out long

How do i go about getting them to remove this on my file.

This is the only negative I have on my file

and I've worked so hard the past 10 years to get my credit to good standing

and out of debt, and now this happens for something thats not even my fault!

Any advice appreciated, thanks for reading.

Long time no speak..... well let me start by saying i've sent at least 4 letters since i last posted, not to mention the numerous phone calles while waiting on hold for hours on end.

Today though i have recieved a letter explaining that due to an administration error this was somehow placed back onto my credit file. They have admitted it was their mistake and have sent a letter to the registry trust asking for it to be removed, so hopefully that should be taken from my account with the next 2-3 weeks (although i expect it will take longer!)

But just wanted to say thanks for helping me get this sorted, i had no idea where to start so you really saved me! Thank you!

Its the case number from the court, dated from may this year. This is getting weird now, but am really worried, Can someone just fill out these court forms for me without my knowledge?

Can i just check something, Ive just logged onto experian just to check again and noticed the case number is completely different?

Could someone have filled out these forms on my behalf or would the case number of changed over time. I've not had any documentation whatsoever from any company or the courts and have lived at this address quite some time now. Starting to get worried that someone has used my info somehow?

Thanks for all your help, Ill get that posted out tomorrow.

Vic

That would be great, i really appreciate all your help. what else would you need to know?

Ive just found the paperwork for this,

benefits agency £779

the rest was split between

freemans catalogue and

Look Again,

total amount £1148.

started 28th feb 1998.

After counting the receipts looks like the total i paid the courts was £280 over a period of 2 years.

Then thats when i lost my job and returned to uni so had no money.

After a few years the benefits agency contacted me to start me paying it back.

I ignored that but when i left uni and came to claim jobseekers they stopped my money until i had agreed to repay the amount through them.

Im writing my letter to the courts and experian now though,

sooner i start sooner it gets cleared up and taken off my account.

Id just spent years getting it near perfect and this comes along!

Yep! about £120 actual debts the rest were court and solicitor costs. Would of been fine if id of had a job, just paid it off but i was "advised" to get an admin order to stop bailiffs harassing me.

Worst thing i ever did was listen to that advice as its still haunting me now!

Thats what i was hoping to hear! Thanks so much for your help

Sorry i should have made it clearer, the admin order was taken out when i was 18, im now 32 so thats really the reason im worried as I thought it came off my file after 6 years or from when settled. 14 years on its now reappeared again and im concerned as to why?

Hi, I used Experian today, previously been checking on equifax only and its not and still isnt showing up on equifax only experian for some reason.

It says the court name and under information source states it was from court registry Ltd.

As i said i paid back some within 2 years id say approx £300, then i lost my job so had to claim jobseekers allowance for a few months, while on this though the benefits agency said it would be stopped if i didnt pay back what i already owed so i had to pay back small amounts to cover this, i've paid these amounts ever since and have approx £100 ;eft to pay on the benefits debt. I could pay this in full now but have continued to pay in instalments as it seemed easier.

There must be £100 or so left on the original catalogues debt but i bet the admin order says for the full amount including the benefits amount too.

Really hope this makes sense as im confusing myself but i appreciate all help as im completely stuck.

Just looking for some advice on this issue so i know what steps to take to get it removed, I got into trouble when i was a lot younger which resulted in my mum making me take out an administration order from the courts. It was made up from 3 creditors,

1. The benefits place for around £700

2. a catalogue for around £300

3. another catalogue for around £200.

I was 18 at the time, still in college and didnt really have any money to pay catalogues back, The benefits thing was that during a period of not working i claimed jsa, but my mum was still claiming child benefit which we both didnt know about each others circumstances.

The thing is i paid what i was told till i was around 19 then lost my job so stopped, the courts never bothered writing to me, but the benefit office did and ive been paying back the £700 ever since in silly little amounts. we're talking 12 years on so its hardly been noticable.

Today though i just thought id check my credit file for something to do and the admin order has appeared back on there. Does anyone know how long it takes to stay on your account. It came off there around 2005 so im really surprised to see it back on there now, nearly 7 years later???? Obviously upset as well as i thought this was all behind me. The amount i actually paid to the courts would have easily covered the catalogue debts, and the benefits thing is now paid so surely this should all be the end of it?