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Grinchy

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About Grinchy

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  1. Hi, In 2013 I received a default from a utility company for unpaid bills. I continued to live at the property but didn't speak to them again until 2015. At this point I pulled my head out the sand and faced my issues, paid off the default and money owing for the period from after the default to the time I called them. I have been clean on my credit since then and during this period it was just them I didn't pay (i'm an idiot). I am trying to understand how defaults for my period of no contact works - one was issued in 2013 but obviously I was accruing further utility bills until I took a hold of things. Should these further missed payments feed into the original default (so it gets bigger) or should they be further individual defaults on my credit file? To me it was all part of the same issue and between 2013 and 15 there was no contact from me although I am sure they sent me letters. Is it right that they can default me on separate dates for the same ongoing bill or should this all be one default linked to 2013. I am not trying to get out of anything - I didn't pay the bill, I own that and if I have to have a default on my account for 6 years from when I finally settled in 2015 then so be it - I have no one to blame but myself, I am keen to ensure that the correct procedure has been followed for reporting though. Thanks
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