We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!

Bt

Options
I have noticed a default from BT on my credit file from 2012 - I have no record of the account nor did I ever receive a default notice, I have asked them for a copy of the notice and they have said they don't keep records for more than 2 years so cant issue me with one. Can I do anything??

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    Have they provided you with evidence of the debt / account at all?

    If they cannot prove the existence of the account/debt or that you are liable then you should be able to get the entry removed from your credit file.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • Muddyball
    Muddyball Posts: 14 Forumite
    Well this was on the chat service they have, they said the account did exist and has been passed to a debt collection agency, however I did not receive a default notice - they've said they cannot provide this
  • Tixy
    Tixy Posts: 31,455 Forumite
    You really need to be dealing with this is writing to have a record of the information you asked for.

    I would write them a letter stating that you have noticed an entry on your credit file in their name. State that you have no knowledge of any account with them or any outstanding balance and ask them to send you proof of the alleged debt or to remove their entry from your credit report.

    As a service agreement they don't actually have to send out a formal notice of intention to file a default.
    In instances where a lender is required to send out such as notice they don't actually have to keep a copy of it, only a record of the date it was sent.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • JKSandy
    JKSandy Posts: 711 Forumite
    Follow Tixy's advise best contacting them in writing.

    Not sending a default letter is the least of your worries if you have never had a BT service.
    All that glitters is not gold.
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
  • 350.7K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.4K Spending & Discounts
  • 243.7K Work, Benefits & Business
  • 598.5K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 256.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K 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.