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    • Fidothedog
    • By Fidothedog 9th Oct 16, 5:37 PM
    • 13Posts
    • 4Thanks
    Past Due Credit - Major Problem !
    • #1
    • 9th Oct 16, 5:37 PM
    Past Due Credit - Major Problem ! 9th Oct 16 at 5:37 PM
    I'm really hoping that someone on here will be able to help me with this:

    About 5 years ago I separated from my then partner and moved out. She stayed in the property (and still lives there), and the electricity is on a 'pre-paid key' meter.
    Yesterday I received a letter form 'Past Due Credit Solutions' saying that I owed Scottish Power 443.89 for electricity used at that property !
    I don't see how this can be possible and why I should have been contacted about this - I have spent the last few years rebuilding my credit score and am really worried about this letter.

    Could someone please advise me on what my next steps should be ?

    Many many thanks
Page 1
    • sourcrates
    • By sourcrates 9th Oct 16, 6:44 PM
    • 7,793 Posts
    • 7,655 Thanks
    • #2
    • 9th Oct 16, 6:44 PM
    • #2
    • 9th Oct 16, 6:44 PM

    You simply dispute the debt with the DCA, this is best done in writing.
    Explain you left the property 5 years ago, your ex partner still lives there, and you are not liable for this debt.

    That's it, they have to prove liability, you don't have to prove anything.

    Sending a copy to Scottish power is probebley a good idea too.

    For free debt advice please call National Debtline on
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    Monday to Friday
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    • Dobbibill
    • By Dobbibill 9th Oct 16, 9:10 PM
    • 1,505 Posts
    • 2,660 Thanks
    • #3
    • 9th Oct 16, 9:10 PM
    • #3
    • 9th Oct 16, 9:10 PM
    Check your CR to see if there is still a financial link between you and your ex. If there is, make amends to get it disassociated.

    Do it free with Call Credit via Noddle, with Equifax via Clearscore.
    • fatbelly
    • By fatbelly 9th Oct 16, 9:47 PM
    • 9,947 Posts
    • 7,448 Thanks
    • #4
    • 9th Oct 16, 9:47 PM
    • #4
    • 9th Oct 16, 9:47 PM
    Good advice above, though you should also check/correct Experian as that is the most-used CRA

    Do Past Due quote the period the debt relates to?

    Rather than tell them when you left, I think I would get that established first.

    Then if they come up with 2012/13, say, you can respond with 'I left in 2011'
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