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I've got an issue with BT.



I was living in a property with a BT Phone Line and BT Infinity Broadband. I paid for each bill in advance via Direct Debit.



When I came to move out of the property in July/August 2012 I gave notice of this to BT. As I never generated call charges only line rental fee's I assumed nothing was due as my line rentals were prepaid upto September/October. The property was then occupied by my mother and no further communication was received from BT. I then cancelled the Direct Debit to BT in September as I was trying to keep my bank account uncluttered. BT tried to take a payment for 14.48 in September and October 2012.



Fast Forward to September 2015, I went to purchase a property and my Experian and Call Credit scores were both excellent. Applied for a mortgage, was eventually rejected and it turned out BT had placed a default notice on my Equifax report (Only Equifax and no other), apparently there was a balance of £14.48 still due.



I asked for this to be corrected as BT could not trace any bill and my default notice was eventually removed.



I then raised a complaint with BT as I had incurred costs due to their error (I dispute the £14.48 and BT cannot/will not provide me with any paperwork of either the default notice, bill, or anything else).



I've just received a call from their complaints team where they have stated no compensation will be paid, they will wipe out the £14.48 debt they cannot prove exists. When I protested at the offer being not sufficient, I was threatened with Debt Collection and default notices again. (Which is harsh as im in the middle of purchasing a property and I don't want it to fall through).



Can BT just place a default notice on an account without any notification (They are claiming they can, they only need to issue a bill (Which I never received).



Can I claim compensation from BT for the damage to my creditfile and the problems their incorrect information caused me (We lost a house due to the delays in getting the default notice removed)



What do I do now?



Thanks for your help




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Yes you can take further action and yes, they can just put a Default on your CRA.

You can take legal action. As this has caused quite a lot of detriment to you, you have a very good case... (IMHO)


But lets wait for the site team to discuss...


We could do with some help from you.


Have we helped you ...?         Please Donate button to the Consumer Action Group



Receptaculum Ignis


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Just as an update.



BT are saying that if I do not accept their offer of negating the debt only, they will send the debt to a DCA and ask for a default notice to be reinstalled on my account.



They refuse to send me a copy of any bills unless I submit a SAR to different department which will cost me £10 and take a minimum of 40 days, by which time my Credit File will be adversely affected again. Should I pay the balance without prejudice whilst I get OFCOM to adjudicate?



I feel like they are bullying me to accept an unacceptable offer at this point. Especially as they are saying that they do not have to wait for the Ombudsman to adjudicate.







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yes they are bullying you but what do you want as a result? A clean credit history now or the moral victory a year down the line.

Get your mortgage and keep an eye on the clock and make a complaint to the ombudsman if you are in time to do so when you are in a position to weather the storm

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