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SP Default issues

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I have just joined as i have just found out i have a default from 2010 I knew nothing about it so called them and it was from a property i rented with a boyfriend at the time, i left after i found out he was seeing my BF they continued to live there but instead of paying the bills they just put them into there name and so the account with scottish power in my name went dead and recorded gone away and all the letters and phone calls went to that address i have had the bill revised to the last meter read i gave them however they wont remove the default and whilst there sorry for my 3rd party issues they can not help not even as a goodwill gesture There were never any late payments whilst the account was serviced by me. Whilst the complaints advisor tried really hard the CIAS DEFAULTS TEAM just keep saying no to all suggestions such as if paid can it be marked settled and payment histiry removed? Experian advised they can do what ever they want its up to there goodwill, it seems they have none! I have got nowhere and have reffered to Energy ombudsman. My Soliciter has advised me to get a true copy of the default notice and the tems and conditions and he is going to see if he can take this any further or if he can advise me in a small claims as the original default registered for an incorrect amount. You would think they would take into account your good customer relationship and the hardship you were under at the time the fact that you contacted them 3 years later offering to pay in full when I became aware of it, the only reason i have found out is when my Bank refused me a mortgage. I have been an excellent creditor all my life and now this wll remain on my account for a further four years, but experian have advised if i pay it will be fom the date the account is settled so that makes it another six is that right? I really want to clear it up and ideally get my mortgage but there not interested in helping and have deadlocked it for £214.00

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You need to wait for the Ombudsmans verdict and the advice of your solicitor.

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  • 1 month later...

Well to update...


I am now proceeding with a court action to get the default removed i have requested a dsar my soliciter is filing a n244 form on my behalf.


Scottish power have given zero responses from ceo dept and deadlocked this at first point of contact. My soliciter keeps requesting a true copy of default notice this has had 0 responses please advise would like to know of anyone else going through the same.

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