British Gas 2 ****DEFAULTS WON ***

[gizmo111]

I wrote to BG on 24th July after realising there were 2 defaults on my Experian CRF. I sent them a CCA request and the £1. I have today received the £1 back and a letter from them asking me for a copy of my file because they are having difficulty finding the default that I mentioneded, although they searched my file as an enquiry on 11th Aug. They are obviously in default now and the offence occurs on 10th Sept, so shall I wait until then, or send copy of this to CRA and get the default removed? Any info on what to do next would be great

 

Thanks

[gizmo111]

I wrote to BG on 24th July after realising there were 2 defaults on my Experian CRF. I sent them a CCA request and the £1. I have today received the £1 back and a letter from them asking me for a copy of my file because they are having difficulty finding the default that I mentioneded, although they searched my file as an enquiry on 11th Aug. They are obviously in default now and the offence occurs on 10th Sept, so shall I wait until then, or send copy of this to CRA and get the default removed? Any info on what to do next would be great

 

Thanks

 

Anyone - any ideas?

[Tinkerbelle]

There are plenty of solutions and advice regarding this issue in the Legalities forum. Please take the time to read it.

[gizmo111]

I have sent the long letter and statutory notice and received abck from BG a letter saying they would not remove the defaults, and they have no record of one. I am sending this back - is the right letter to do?

 

Thanks

 

Letter Before Action

 

Dear Mr White,

I refer to your letter dated 5 October 2006 regarding defaults that British Gas has registered with Credit Reference Agency Experian. I enclose a screen shot of my credit file as of today’s date showing the default registered by your company that you admit you have no record of.

I also refer to the Statutory Notice that I sent you on 2 October requesting that you stop processing my data. To my knowledge you have not now or ever had my express consent to share my data. Your letter states that when opening my gas account I would have been sent a ‘ Welcome to British Gas’ pack, I have no recollection of receiving this, and as such never agreed to your terms and conditions.

With regards to the £20 overpayment that you refer to, a cheque to my home address made out to myself will be acceptable.

Paragraph 3 of your letter entitled legalities – quotes the following from the Information Commissioners Office regards the practice of registering defaults for a period of 6 years as one that serves legitimate business practice providing the registration was justified in the first place. By your own admission you have no records of registering a default on my credit files for the amount of £78, and am at a loss to understand how you feel the continued processing of my data in this manner is justified.

I therefore request that you remove these defaults within 7 days from receipt of this letter or I shall be left with no alternative but to pursue their removal through court action.

Yours sincerely

 

[gizmo111]

Following the above letter they have agreed to remove the 2 defaults.

[un1boy]

Did they just mark the entries as satisfied, or remove them completey?

[gizmo111]

Did they just mark the entries as satisfied, or remove them completey?

 

They are going to remove them completly - one is satisfied anyhow.

[Mrgreengenes]

Gizmo, sorry to interrupt this thread but you need to make some room in your PM inbox as I have just got a message saying that it is full.

[un1boy]

They are going to remove them completly - one is satisfied anyhow.

 

That's great, I'm the middel of trying to get t-mobile and ntl to remove mine too....well done though, your's were removed with little fuss too, eh?

[gizmo111]

Gizmo, sorry to interrupt this thread but you need to make some room in your PM inbox as I have just got a message saying that it is full.

 

Ok done

[gizmo111]

That's great, I'm the middel of trying to get t-mobile and ntl to remove mine too....well done though, your's were removed with little fuss too, eh?

 

Just a few letters and 3 months - but they are going. Good luck with yours t-mobile see mto eb kicking their heels in a bit.

[un1boy]

Thanks, well we'll see how it goes - I'll take them to court if push comes to shove and as they don't have any evidence they'll have to remove them anyway!!

[gizmo111]

Thanks, well we'll see how it goes - I'll take them to court if push comes to shove and as they don't have any evidence they'll have to remove them anyway!!

 

Good Luck

[un1boy]

thanks!!

 

Let us know when you have checked your report again and they have defo gone!!

[gizmo111]

thanks!!

 

Let us know when you have checked your report again and they have defo gone!!

 

Have checked my experian file today and they are gone completly.

[polarise]

Hi great news, sorry but I do not understand the CCA reference. I thought the utilities were not bound by it - which letter did you send since I am having the same problem

 

Thanks

[stanroyal]

Polarise - I have the same problem as well - I don't think I can send a CCA as utilities accounts are not credit agreements.

 

Could someone advise what letter is the best to send first to utilities companies where you cannot send a CCA or use that legislation.

[IdaInFife]

Gizmo,

 

Do you still have the address you used?

 

Is is poss to have a copy of the SD you used?

 

I havent got any response to any letters i have sent and RM have said they canno trace them although sent recorded

 

the above wouls be appreciated

 

ida x

[Coasters]

I am sorry to bump an old thread but I am lost as to how BG can register a default on a credit account if it is not in itself a credit account?!

 

I have a default for a grand total of £23 registered on mine, this after it was promised it would be wiped as they broke the direct debit guarantee by taking this sum out on totally the incorrect date.

 

I did not pay the £23 as I was told it was written off, sadly though they thought it would be fun to default me instead.

[IdaInFife]

the default is not applied as a default regulated under the cca regs.

 

it just another 'account'

 

 

ida x

[Coasters]

Thanks for the reply. Does it in effect have the same 'powers' though, IE severely crippling your credit score/report?

[Marcus_ad]

Yeah I got a grand total of a £22 default registered. I was having difficulties getting credit and couldn't figure out why. I looke dup my credit report and BINGO - there it was. I don't know if I owe them the money and don't suppose they care very much either. However the sc**w people over dept there seems to think they can totally ram my life by doing this.

 

I will ask them nicely, but the bottom line is - is there any way of forcing them to remove this ? I have never signed anything or agreed that I owed them anything let alone £22.

 

I didn't think utilities had the right to do this. So can anyone who owes me money get discredited like this in public?

[Marcus_ad]

Ida - sorry can you explain that please?

 

many thanks

[Jules55]

Could someone just paste the exact letter that you should send to a utility Company to ask them to remove a default? Thanks

[Marcus_ad]

asking them is no good. they will only remove it if they HAVE to.