credit file

rio85

Hi guys
i have changed my talktalk broadband few months ago and now im
with sky. but today talktalk sent me a bill its about £200:mad:.
what is gonna happened if i dont pay them? is it gonna be bad for
on my credit file?
:beer:

Eonel

Yup - it could be pretty disasterous for your credit file for the next 6 years. + the potential for a CCJ and the hassle of debt collectors.

boo_star

rio85 wrote: »

Hi guys
i have changed my talktalk broadband few months ago and now im
with sky. but today talktalk sent me a bill its about £200:mad:.
what is gonna happened if i dont pay them? is it gonna be bad for
on my credit file?
:beer:

http://community.talktalk.co.uk/t5/Mobile/Reporting-to-Credit-Agency-Question/td-p/1182945

I think the last answer is incorrect, if they don't provide a monthly feed they can't suddenly report a default.

McKneff

Nonsense, if you don't pay they can apply a default, they can take you to court,
even before a court case your credit will be trashed for the next 6 years, you wont even be able to get
a mobile phone contract, let alone a mortgage,


If you owe it, pay it, simple as that really.

boo_star

McKneff wrote: »

Nonsense, if you don't pay they can apply a default, they can take you to court,
even before a court case your credit will be trashed for the next 6 years, you wont even be able to get
a mobile phone contract, let alone a mortgage,


If you owe it, pay it, simple as that really.

Can anyone do the same?

Could I apply a default to your credit file with a fictitious debt and a fictitious company?

Probably not.

I'd like to see clarification on the matter but I struggle to believe companies who don't report the account can suddenly start reporting, just to report a default.

Edit: They're not really giving credit anyway but that's another matter.

GingerBob_3

Maybe the £200 is wrong. Maybe the OP actually owes nothing.

Of course from the putative debtor's point-of-view that doesn't matter. They think he owes money, so given half a chance they'll trash his credit record: trash record first, ask questions later - or don't ask at all.

boo_star

GingerBob wrote: »

Maybe the £200 is wrong. Maybe the OP actually owes nothing.

Of course from the putative debtor's point-of-view that doesn't matter. They think he owes money, so given half a chance they'll trash his credit record: trash record first, ask questions later - or don't ask at all.

The issue isn't that. The issue is if they can, I don't think a non-reporting entity can suddenly report a default despite not bothering to report previous account conduct.

Doesn't really seem like an accurate record of the account does it?

rio85

the problem is they already gave my debt to debt collector, but i can not see it on my credit record.
p.s i didnt have mobile phone from them just a broadband so..