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  • FIRST POST
    • Dalton395
    • By Dalton395 11th Feb 18, 6:21 PM
    • 5Posts
    • 0Thanks
    Dalton395
    Default placed on cra from 2010
    • #1
    • 11th Feb 18, 6:21 PM
    Default placed on cra from 2010 11th Feb 18 at 6:21 PM
    Hi folks need some advice I have built up a perfect credit history over the last 8 years today I happen to check noodle and see a default registered January 2018 from an old electric bill at a old address that I have never acknowledged from 2010 I didnít know it even existed the default is not on Equifax just noodle is this legal for them to do that surely not is ití statue barred debt and certainly had not just happened I moved out 10 years ago they have address as my address back then but what can I do I need it sorted out how do I get it removed default date is jan 2018 ? Am needing some advice fast please
Page 1
    • Dalton395
    • By Dalton395 11th Feb 18, 6:22 PM
    • 5 Posts
    • 0 Thanks
    Dalton395
    • #2
    • 11th Feb 18, 6:22 PM
    • #2
    • 11th Feb 18, 6:22 PM
    I live in Scotland so is statue barred not 5 years and if so five years from when
    • cjmillsnun
    • By cjmillsnun 11th Feb 18, 8:33 PM
    • 477 Posts
    • 352 Thanks
    cjmillsnun
    • #3
    • 11th Feb 18, 8:33 PM
    • #3
    • 11th Feb 18, 8:33 PM
    Noddle (not noodle) would not have registered the default themselves. Another company registered the debt with the CRA. You've checked equifax (presumably through clearscore) so check Experian (through MSE's credit club).

    You then need to complain to whomever registered the default that a) you don't acknowledge the debt and b) it is statute barred and was statute barred when they registered it as you last lived at that address 10 years ago. Ask that it is removed from your credit files on that basis. If they refuse, ask again, but this time state that you will go to the ICO if they refuse.
    • Dalton395
    • By Dalton395 11th Feb 18, 11:22 PM
    • 5 Posts
    • 0 Thanks
    Dalton395
    • #4
    • 11th Feb 18, 11:22 PM
    • #4
    • 11th Feb 18, 11:22 PM
    Ha ha ok Noddle so when you say this the default says Scottish power or do I need to find out the debt collector to do this who do I contact
    • Dalton395
    • By Dalton395 11th Feb 18, 11:24 PM
    • 5 Posts
    • 0 Thanks
    Dalton395
    • #5
    • 11th Feb 18, 11:24 PM
    • #5
    • 11th Feb 18, 11:24 PM
    I have an Equifax account so I can check it stoped subscribing ages ago but I opened free trial again when I seen this today
    • Dalton395
    • By Dalton395 12th Feb 18, 11:19 PM
    • 5 Posts
    • 0 Thanks
    Dalton395
    • #6
    • 12th Feb 18, 11:19 PM
    • #6
    • 12th Feb 18, 11:19 PM
    Hi folks turns out I spoke to Scottish power today it!!!8217;s a mistake on there part the property I lived in had another tenant and the pre payment meter was never changed from my name so they asked for us to prove I wasn!!!8217;t the tenant at this Time and it will be removed in around a weeks time but I am trying to buy a buy to let house at the moment and will need to halt the process so u think I should ask for compensation as it!!!8217;s there mistake ?
    • Shakin Steve
    • By Shakin Steve 13th Feb 18, 6:49 AM
    • 1,321 Posts
    • 1,002 Thanks
    Shakin Steve
    • #7
    • 13th Feb 18, 6:49 AM
    • #7
    • 13th Feb 18, 6:49 AM
    I would just thank my lucky stars that Scottish Power were so accommodating, there are people on here who have spent months trying to sort things like this out.
    What amount of compensation do you think you're entitled to? £50 for the inconvenience or £100,000 if it affects your ability to buy?
    If that sounds sarcastic, it's meant to.
    I came into this world with nothing and I've got most of it left.
    • nic_c
    • By nic_c 13th Feb 18, 8:26 AM
    • 1,227 Posts
    • 686 Thanks
    nic_c
    • #8
    • 13th Feb 18, 8:26 AM
    • #8
    • 13th Feb 18, 8:26 AM
    So, if I get this right - you move out, don't bother to tell your energy suppliers that you have moved out. A default is registered because whoever moved in decided to not tell them either, but pays it in the meantime. So I assume the default occurred because they moved out leaving debts owing. Not sure why you think any compensation is due, after all it was you who omitted to inform them that you was moving out, and its only that it is impacting you getting a BTL that you are complaining.

    Be thankful they are so accommodating since they could say the debt is still yours because you never terminated it. Indeed they may be needing the new tenant to corroborate your story and admit it should be their debt. Have you provided proof you moved out such as a letter from landlord from when your tenancy ended? Did you take readings, e.g. photo of meters.
    Last edited by nic_c; 13-02-2018 at 8:38 AM.
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