Who can write defaults to my credit file?

morphy_richards

Hi,
Last year I signed up to a company offering basic web space for a nominal fee.
I didn't realise that the account would automatically renew and as my card details have changed and their auto - payment failed, they have sold my account to a debt collector.

Although the fee is now about five times what I initially paid for a year I am more worried what effect this could have had on my credit file as I might need to re-mortgage in the near future.

Are companies like this permitted to write to credit files?

Thanks and regards,

glentoran99

morphy_richards wrote: »

Hi,
Last year I signed up to a company offering basic web space for a nominal fee.
I didn't realise that the account would automatically renew and as my card details have changed and their auto - payment failed, they have sold my account to a debt collector.

Although the fee is now about five times what I initially paid for a year I am more worried what effect this could have had on my credit file as I might need to re-mortgage in the near future.

Are companies like this permitted to write to credit files?

Thanks and regards,

That doesnt sound righht at all, surely if your payment bounced they would just cancel your webspace? i know that what would happen with mine.

Is there more to this story as seems strange they sold to a debt collector without asking you for payment first

chanz4

1&1 or one.com by any chance, its hidden in their terms. They normaly also DO send reminder emails

GingerBob_3

chanz4 wrote: »

1&1 or one.com by any chance, its hidden in their terms. They normaly also DO send reminder emails

The operative word is highlighted. Maybe the reminder email ended up in Junk.

I guess if you didn't enter into a credit agreement then it shouldn't affect the CRA's credit files on you.

thebritishbloke

I used to run a business, and one aspect of that business was web hosting. We'd never have contracts, if your payment bounced then you'd be suspended and given 14 days to pay, or we'd terminate the account. I know some companies do insist on a 12 month contract, but it's still very rare. I doubt they have a leg to stand on.

National_Debtline

Hi morphy

You would have to have given your consent for information to be shared with credit reference agencies, so please refer to the terms of whatever agreement you signed at the outset.

Please note that this would definitely affect your credit file if they ended up suing you for the money and you were unable to dispute it/clear it promptly.

Regards

Dennis
@natdebtline

morphy_richards

Thanks for replies. It is one.com, their reminder emails did end up in my junk box but luckily the debt collector email did not.

I cant find mention of sharing information with credit agencies, at least no words relating to it show up in search