Late Payments on Credit File

[bruss49]

Hi All,

 

I was wondering if anyone had any advice.

 

Bit of background, In all my life I have never missed a payment for anything. In May last year I should have paid an electric/gas bill with Npower on a property I was selling. I had a bit of a personal crisis going on (depression) and missed the final bill from npower. I (apparently) contacted them to say i would pay the bill by the 1st June, and then through being in a depression completely forgot. (was for around £180). I then sold the house.

 

The 1st of June came and went. This week I applied for a credit card and was refused. I then looked into my credit file and found that the npower account has -6 months on it since then. (I dont think they actually issued a default notice but im not sure).

 

I contacted them to say there must have been a mistake and they told me i had rang and promised them the payment in June last year (I dont remember this). I Paid this immediately in full, very embarassed. However, we I said i couldnt believe they hadnt contacted me, they said it was because Id agreed a payment date, and all my contact preferences were set to email only..... I never received 1 email, although they said they sent a few.

 

Could someone offer me any advice please as to how to clear my credit file of this?

your help would be very much appreciated.

 

regards

 

bruss

[Bazooka Boo]

In a nutshell, if they have added a default marker to your credit file, paid or not, there it will sit for six years.

 

Regardless of you paying this, they are under no obligation, legal or otherwise, to remove the info, as they were reporting your account correctly.

 

HOWEVER!,

I might fire off a letter to their head office, stating the above oversight, and their lack of communication to inform you of their intentions, and the fact that this has now been paid off in full, and under the circumstances, 'would' they remove the default marker on your file?

 

You would be hoping for their better nature IMO, but you never know.?

[dx100uk]

might help to also say this is the only thing preventing a mortgage and you find that rather unfair that a missed bill ruins your future life totally

[batman1956]

You should also point out that they had 1.2 million complaints in November 2013. A number of those are still unresolved so it may be possible that your bill was not issued. There are many newspaper articles to back this statement.