@britishgashelp British Gas outstanding balance - Refusal of Payment

[minimal-c]

Hi Everyone

 

I have an account on my credit file for British Gas which shows a balance of £900 for a property I resided at in 2012.

 

I have written to British Gas to request information relating to the account and to set up a repayment plan.

 

British Gas are reluctant to provide any information relating to the account or balance and referred me to Past Due Credit solutions informing me they are managing the account.

 

When I contacted PDC they informed me the account was closed and the were no longer handling it.

 

Again I referred this info back to British Gas where my complaint was escalated to "Tier 3"

after a lengthy discussion I was informed the account was reopened with PDC and to contact them for repayment.

 

However again PDC has informed me they are not handling the account and it is closed with them

 

Where do I stand with this?

 

 

British Gas continue to have a negative affect on my credit file with monthly updates

yet refuse to allow me to make a payment to the account,

 

 

any advice on what to do next.

 

Thanks

[dx100uk]

have you sent BG an SAR?

 

 

just to be clear here

paying the debt wont improve your credit rating.

is there a default listed in the debt summary?

 

 

dx

[minimal-c]

Hi DX

 

no not done a SAR yet.

 

The account is shown as 6 payments late and has been updated monthly to show this since 2012.

 

There has never been a default issued or or registered against the account. It's shown as "Delinquent" on my Credit File.

 

I want to set up a payment plan and clear off the account to stop it showing as a missed payment each month.

[dx100uk]

I'd get an sar done

you need to complain to BG that the account was not defaulted after your third missed payment.

 

 

in the period 2012 till today did you receive any official BG bill.

 

 

what comms have gone on between 2012 and today.

 

 

you need to be mindful of the back billing rules

 

 

 

 

 

dx

[minimal-c]

Very little comms between now and then only the discussion with the complaints dept recently.

 

I have not received any bill for the account to date.

 

What effect will it have iIf I challenge that they didn't apply a default after the 3rd missed payment? would they not just update the status to default?

 

Thanks

[dx100uk]

prove they didn't send you a bill within 12mts of you moving out and the whole account must be removed and you owe nowt!

 

 

dx

[minimal-c]

How do I go about proving that they didn't send one. I assume simply saying so won't be sufficient lol

[dx100uk]

Sar

[minimal-c]

Cool I see where you were heading now lol.

 

Il get a SAR done this week then.

[boody49]

any update to this?

[minimal-c]

Yeah,

 

Unfortunately they produced a bill for the account.

 

They have finally taken the account back In to their own name and have allowed me to set up a reinstallment plan. Minus the middle man. And have agreed to update my credit file to show regular monthy payments are being made.

 

I have also requested they update my credit file from January as it shows missed payments when in fact they have prevented me making payments thought thier incompetences .