How To Dispute Default On Credit Report

Facknats

Are you sure the tenant didn't put it in your name to avoid paying? All sounds a bit fraudy

SimonLanes

Facknats: the gas supplier said they opened the account in the names of 4 tenants, a few years after I moved out.

Guessing the liable tenant wasn't paying so they wanted to chase other tenants too.

May have been the landlord who gave them the names.

Unfortunately I can't get tenancy agreements from 2011 to prove I moved to a different property.

Property owner doesn't have them, nor does the letting agent (who was bought by Countrywide a few years ago anyway).

This was over seven years ago so I guess no one is obliged to keep those records.

Best I can do is get something in writing by the property owner of the house I moved to, confirming when I moved in.

SimonLanes

They're asking me for meter readings now, from a property I moved out from over 7 years ago, and where I was never liable for the gas bill.

This seems to be going nowhere and I feel like I'm having an email conversation with a robot.

[Deleted User]

You need to raise a complaint with them

You will then get a call back from the complaints team who are in the UK (not that that matters).

They will then either resolve it for you, or send out a letter of deadlock and you can then go to the ombudsman

SimonLanes

Thanks Gary,

I raised a complaint and spoke to a human being on the phone.

They're removing the default from 2014 from my credit report.

They checked the electoral roll and found I'd moved in 2011 and didn't need a tenancy agreement.

There may still be an issue with money owing between 2009-2011 but the person I spoke to wasn't sure.

So, progress.

Thanks again for everyone's assistance.

Thrugelmir

SimonLanes wrote: »

This seems to be going nowhere and I feel like I'm having an email conversation with a robot.

Well they know you resided there. What did the tenancy agreement say about payment for utilities.

[Deleted User]

Good news.

I had a similar issue with them before and their e-chat were no good and their normal telephone customer service team aren’t equipped to deal with these sort of complaints.

The complaints team is a dedicated team who know how to deal with these types of queries and helped me a great deal