We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Defaults years after moving

Options
Good Afternoon All,
First time poster, i hope someone can help!
I have just been turned down for a mortgage due to having 2 defaults on my credit score. 
I didnt know they existed until around a week ago after looking at my credit score following the rejection.
The two debts are from Northumbrian Water & NPower. They are from an address i moved out of in 2013. 
Although i am going to pay them in full. I am wondering if they are allowed to register the default years after i moved out?
Northumbrian water Default Date: 13 Feb 2017 - 4 years after i moved
NPower: 14 Dec 2017 - Same again, 4 years after i moved
I always thought that defaults would have to be registered 6 months after defaulting. Its my fault for getting them, the amounts are pretty small and ive obviously not paid the final bills. But it seems unfair that they have registered the default so long after they actually happened.
Can anyone help?


Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You could ask them to backdate the dates to a more appropriate time.

    Presumably these were from two separate addresses, as you say each was 4 years after you moved, but the defaults are almost a year apart. You should check all three files to see if there are other utilities hanging about from either address.
  • Sorry i wasnt clear, they were from the same address, i moved from the address in January 2013. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.