We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Credit check on new accounts

This is just a quick question about someone putting the bill in my name. I live in a shared house and the girl who used to pay the the bills etc. has moved out, she said she would tell all the suppliers she was leaving and pay them up until the date she left and we could sort it out amongst ourselves after that.

I went home for christmas and came back i must have missed the letter from the utilities when i went through the post but I received another a week ago demanding payment of £145.
I thought it a bit cheeky that she had put it in my name but thought I'd let it slide it didn't really matter, but on this letter it said failure to pay will affect my credit rating, and when I phoned to find out the period the bill was for they asked me my DOB as a security question, and I answered thinking they would have hers still but they had mine!!! When I questioned how they had all my personal information they said I gave it to them! When I said I'd never spoken to them he just replied the previous bill payer must have given it to them.

The problem I have isn't so much that the bill is in my name although it could have gone in one of the other 3 housemates names, its the fact they took my details with no confirmation I was moving in and quite possibly did a credit check on me? The gas bill is coming to the occupier and they seem happy to just be paid and not require a name.
I know this was a bit long winded but thought I'd try and get the whole story out. There's nothing really big wrong its just I'm at bit peeved that she gave them my personal information and they considered my name and DOB enough to set up a debt in my name. More to the point will they have done a credit check on me without my consent!? If not then its just bluffing about it affecting my credit rating? Thanks in advance!
[FONT=georgia, bookman old style, palatino linotype, book antiqua, palatino, trebuchet ms, helvetica, garamond, sans-serif, arial, verdana, avante garde, century gothic, comic sans ms, times, times new roman, serif]A bank is a place that will lend you money if you can prove that you don't need it
[/FONT]
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.3K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.