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Complaint regarding Default Date

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  • PixelPound
    PixelPound Posts: 3,051 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Not sure why the default would be 2011, because since you were using until 2014, under the deemed supply you (or any adult in the property) would be deemed liable. You are thinking this like a service agreement were it is terminated and defaulted for non payment, utilities are different.
  • welly_59
    welly_59 Posts: 315 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Under that explanation then, why did I receive another default for the property I moved into in 2014, and which I'm still living at, in 2016 as well?

    Either I'm correct and the account from 2010 should have been defaulted in 2011, or you are correct and the second default for the property I am still living in should not have been applied.

    It works both ways
  • welly_59
    welly_59 Posts: 315 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Welsh Water have come back with the following:

    We didn’t start reporting the status of our customers’ accounts to a credit reference agency until November 2015. As such, it was not possible for us to notify your account as being in default before this date.
    We notified your account as being in default in February 2016, following us having commenced reporting to a credit reference agency and notified the default status of your account in a timely manner, once it became possible for us to do so.


    So they believe that the default date should be from when they start reporting, not from the date the account was actually in default.

    I disagree with this, and i dont think this is what the ICO guidelines are recommending so ive escalated to the ICO.

    Will keep this thread informed with their response!
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