BT Default

[spizz80]

Hi.

I found this site after searching to see if I could get any advice on a problem I have with BT. I would be eternally grateful if anyone could give me any guidance on what options I have, My knowledge of financial regulations and laws is practically zero unfortunately.

 

I was recently turned down for credit so upon joining equifax I discovered that BT had put a default notice on my account in november 2012. The default was from June 2009. I did have an account with them for about two years and I did have some difficulty with paying the bill about 12 months into the contract ( I spoke to BT about this ) I cleared the arrears and the credit file reflects this with the last payments before the default showing green. Because I was moving I cancelled my agreement over the phone and paid the remaing balance by card

 

I have contacted BT by phone and was told initially they have no record of me, my account, or the address I was at. Subsequent phone calls revealed that they had passed a debt onto a debt collection agency with whom I have had no contact. But they gave me no indication of what the debt was for and told me to contact the debt collection agency Robinson Way ( I haven't)

 

I have raised a dispute with Equifax and they have said that BT state that I owe them money and can do nothing further

 

I'm sure I don't owe money but because the debt is from that long ago I have no records myself anymore.

 

I have searched this site but cannot find an answer specific to my problem. Any advice would be brilliant as I am lacking knowledge of my rights ( If I have any)

 

Thank you for taking the time to read this.

 

Jamie.

[kmiah786]

Your best option will be to make a SAR request to BT clearly stating that you require the following:

 

True Signed copy of the default notice

Any deed of assignment if the debt was sold on

A breakdown of all charges added to the account

A account summary covering the alleged debt

 

Just provide the following details to them so they can locate your details:

 

Name, Address and Date of Birth.

Nothing else.

 

Once in possession of the above then you can move forward.

 

Hope that helps

[locutus]

There is no DN notice required on a service agreement... makes these hard to challenge.

[kmiah786]

Well what if a SAR is made and BT cannot locate the data, e.g bills, personal info etc.

Surely this will make it hard for BT to prove the debt belongs to this person.

[kmiah786]

Hi,

 

The default was placed by BT in 2009. Today I received an email from BT (after I made a complaint) stating that they sent me reminders for this debt in February 2010 after which the debt was passed onto a DCA.

 

Default placed in 2009 and debt passed to DCA in 2010?

 

I dont understand, please someone explain, is that possible?

[locutus]

Simple

 

4+ months missed payments mark a default on your credit file.

After this time if you've not paid BT they eventually sell the debt on.

 

please do not confuse this default with one issued by a financial company, they are not regulated in the same way.

 

 

p.s. I thought this was spizz80's thread...

[kmiah786]

Another thing, they say that the debt was for over £400 but on my credit file it says £303.

 

This is the email I received from BT:

 

I've checked your details with the address you've kindly provided. I see you had account with us for the address quoted, we sent a final bill dated 28 January 2010 which came to £428.66. We asked for payment to be made by the 4 February 2010, after reminders were sent no payment was made and this account was passed to a collection agency.

[locutus]

Your advice above to spizz80 was to SAR

 

Did you send one? That would have all the info you need to see when bills were due.

[kmiah786]

No I did not send a SAR. Shall I send one?

[locutus]

In my opinion you're shooting in the dark without this.

 

I would ask yourself 1st how likely it is that their information is incorrect. Were you about £300 behind in payments in 2009, and did this escalate to around £428 in 2010? If that is the case I don't see what grounds you have to get this removed, and you may be just chasing your tail and gain nothing.