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edited 30 November -1 at 1:00AM in Credit File & Ratings
2 replies 356 views
x34chax34cha Forumite
20 posts
edited 30 November -1 at 1:00AM in Credit File & Ratings
I was living at an address and I moved out of the property in december, 2017, I had nowhere to go at that point in time so couldn't provide an address to the housing agency as to where I was going and just wrote "N/A", fast foward 6 months and I check my credit report and find out there is a default on my account from British Gas for £700. Up until the point I moved out, my bills were paid in full, and I had 0 debt on the account, I imagined I had paid everything that I had needed too. I had no notification of debt, or notice of default, granted that I didn't give them an address. I also find it really hard to believe that I could be paying my gas bill whilst I was living there for 6 months and still end up with £700 left to pay. I was a single guy living alone and only had the heating on for 3 of the months I was living there(3months was summer time) regardless is there anything I can do about this default on my account? I want to get a morgage for a house within the next couple years and this default is the only thing on my account. Could I still get a morgage with a settled default?

Replies

  • [Deleted User][Deleted User]
    0 posts
    MoneySaving Newbie
    Did you inform the gas company you were moving out?

    They would need a forwarding address to send you a final bill.
    This is likely what it’s for.
  • x34chax34cha Forumite
    20 posts
    I didn't no, as I didnt have a forwarding address, and I imagined that my debt with them was setteld as the guy came to check the meter for the final bill whilst I was there and then I got a bill afterwards which I paid in full, but it appears they gave me another bill after that which obviously I never recieved and then eventually its caused this default. I have no issue paying off this debt, I realise that it's my issue that I didn't provide a forwarding address, however I am here to ask if there is any way I can get it removed through "no notice of debt/default".
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