BT Default on Experian but not on Equifax

bmwman740

I have a British Telecommunications PLC default on my Experian Credit Report I know nothing about I had an account with them from 2016 to 2018 when I changed from BT back to Sky due to the internet keeping dropping out. When I closed my BT account there was nothing thttps://register.fca.org.uk/s/search?type=Companies&q=British+Telecommunications+plco pay which matches with my Equifax Report. I have decided to send a  SARs letter to BT to get a statement of the account, a copy of the default notice and conformation the date the account was closed with the account balance.

In the mean time I have been looking into British Telecommunications PLC and found something interesting (link below)

https://register.fca.org.uk/s/search?type=Companies&q=British+Telecommunications+plc

From this it would seem that BT are NOT FCA approved what does this mean for them collecting debts.

[Deleted User]

It seems they are.

https://register.fca.org.uk/s/search?type=Companies&q=british+telecom

D3xt3r5L4b

Did you pay off the remainder of your contract with BT?

MalMonroe

Why don't you phone BT and ask?  I've been with them for years and they have never put anything about my account onto any of the credit agency reports, should they have? But Experian explain further here on this link https://www.experian.co.uk/consumer/guides/what-affects-score.html

I'd phone them about the fact that there was nothing owing on the account and why are they putting information on your Experian credit report. In my experience, sending letters to BT is like throwing them into the sea. A phone call could clear this up in around 15 minutes.

bmwman740

Thank You for the replies yes I have tried phoning them, but as the account is now closed they cannot give me any information hence SAR's letter.

bmwman740

Deleted_User said:

It seems they are.

https://register.fca.org.uk/s/search?type=Companies&q=british+telecom

Thank you for the link now I know who to complain to.