Checking who I owe money to

AngryDog

Is there a way I can find out who I owe money to? I've tried Experian but having had an account with them before they want to charge me £40+ for the privillege. I think I may have a 2 year old gas bill that I havent paid! :eek:

Tixy

You can get a copy of your experian statutory credit file for £2, and a copy of your equifax and callcredit files for £2 as well. That will give you a bit of an idea who you might owe money to, but its not a definitive list, and not all utility companies report to the credit reference agencies (though this is gradually changing and more of them are starting to do so).

AngryDog

Thanks Tixy. Is it worth my contacting the gas company? its been nearly two years since I've had anything from them or my even contacting them - Its just something I've forgotten about.

Tixy

Which gas company is it? - If its british gas its likely to be on your credit file (possibly also if its scottish power). If its others then AFAIK they don't report to the credit reference agencies yet.

Obviously if they've obtained a CCJ against you for the debt then it would be on the file regardless of which company it was.

AngryDog

Southern Electric. I havent had any letters about a CCJ or even threats of court action etc.

quintwins

why do they wanna charge you £40? it's only £15 to sign back up, i asked this on the phone when i canceled and made it clear i would eb back in a few months and he said it would still be £15 a month

AngryDog

Not sure - but thats what it said on the website. Besides, I cant really afford £15 a month given my situation - £180 a year I could use on debts.

quintwins

AngryDog wrote: »

Not sure - but thats what it said on the website. Besides, I cant really afford £15 a month given my situation - £180 a year I could use on debts.

you can order the £2 report on there site, i havent seen it say £40 just £15 i was wondering if you had arrears, i only signed up for 1 month to check my rating then canceled, try this link

http://www.experian.co.uk/consumer/statutory-report.html

AngryDog

No no arrears with them, i cancelled it before i was in payment difficulties anyway..