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Checkmyfile - EDF Debt - Debt Collectors


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Hi,

Please move my post if I am in the wrong section.

 

I left my last property and I had a big Electric/Gas bill outstanding for about £500. When I moved to new place, i agreed a payment plan with EDF but didn't follow it properly cos I thought i had set the STO but it wasnt correct. so after 2 months in January 2013 - they moved my debt to one of the Debt collection agency, which contacted me and I agreed a payment plan with them for over 10 months.

 

I have checked my report on CHECKMYFILE but there is nothing regarding EDF on it as yet

 

My questions are:

1) Even though it's passed onto debt agency and I've agreed a payment plan, can they still add this on my file?

 

2) Will they definitely add this on my file?

 

3) I asked Debt agency to send me a confirmation letter that we've agreed a payment plan and they refused to send me. they said we only do it if you agree by Direct Debit. Can I get in trouble and will this effect me later?

 

4) My Credit rating is pretty average but this will be the first time i will be defaulted and I am scared this default will effect me for years to come?

 

any advice or opinion on this please? I am really nervous about the whole situation.

 

Please help

 

thanks

 

Please note: I am not trying to avoid my debt, I am more then happy to pay it off in installments. Just worried about being defaulted.

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