Late payments on credit file

Sorry have posted about this before but.... I have 2 late payments on my credit file from 4 years ago (British Gas). I have been in constant communcation with them trying to find out what happened (as I don't remember ever paying late). They finally sent me copies of bills. One was in August 2011 and then another one issued in December 2011 (with a different amount). The 2nd bill is the one which I paid in January 2012 but this did not have 'FINAL REMINDER' or 'LATE PAYMENT' or anything like that on it.

So, if I had paid 3 months late, why was no reminder or final demand sent? Why was a second bill issued 4 months later? They are still 'looking into this' but feel I am going round in circles with them.

Is it worth me going to the ombudsman? This is affecting my chances of a decent mortgage.

Replies

  • Might as well go straight to the ombudsman to safe time tbh. BG is probably one of the companies most difficult to deal with when the problems don't concern them.
  • It does seem like a default is "fair" as you paid after five months.

    I don't agree with utility companies reporting to CRA's but that's an argument for a different day.
  • Hutch100ukHutch100uk Forumite
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    boo_star wrote: »
    It does seem like a default is "fair" as you paid after five months.

    I don't agree with utility companies reporting to CRA's but that's an argument for a different day.

    Well I'm not convinced, it looks more to me like the original bill was disputed and they then re-issued a new one in December. Strange why they are for different amounts and no reminders sent.

    I will persevere with the Ombudsman
  • Hutch100ukHutch100uk Forumite
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    SUCCESS!!! British Gas called me yesterday. After weeks of investigations, apparently my original bill issued in the September was reversed and re-issued in the December. So, they have removed the late payment markers.

    So, anyone with a similar problem - don't give up!!!
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