Debt collecting agency & fall out re credit file

KatieJane

Hi everyone

I just received a call from a debt collecting agency stating I owed monies for an insurance policy. On further inspection I realised that after my wedding (we were moving) I cancelled my direct debits associated with the current house. I then promptly forgot to call the insurance provider to cancel the policy!!!

I've just paid the balance with the debt collecting agency and asked them if that will affect my credit file, she's said no. I'm so worried that I will be left with something on my file. Does anyone know whether I will or not?

Thanks in advance

[Deleted User]

How did they find you?

KatieJane

They had my mobile number passed to them from the insurance company

happy_bunny_2

Maybe not, depends what was in the terms regarding CRA reporting. Many say they may but never actually do.

Check your credit files. Start with Noddle, as its free.

[Deleted User]

KatieJane wrote: »

They had my mobile number passed to them from the insurance company

Which poses the question, why didn't the insurance company ring you, when the DD was cancelled :huh: