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

Default registered on credit file by Southern Water after 5 years!!!

I recently had an alert to check my credit file....to find an entry made by Southern Water for a default registered in March this year.....this is for property I moved out of in 2006 but was empty until I sold it in 2009. On advice I called them they told me the debt was from 2006 and defaulted in July 2007. I never acknowledged the the debt, I contacted experian who agreed that this did not reflect my current financial situation and put their standard addition to my credit file whilst writing to them. Within 3 days Experian replied stating Southern Water stated they were correct and if I needed to take it further I need to contact Southern Water direct.

Can anyone give me advice on what to do next...I thought I'd cleared everything and had 2 mortgages in this time...the end of the discount on this mortgage is December, this has really knocked my credit score....

thanks...

Michelle

Comments

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
  • 354.5K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.4K Work, Benefits & Business
  • 604.2K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.7K 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.