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Bloomin' BT
Chrissie2021
Posts: 2 Newbie
Just discovered that BT have placed a default on my credit file for a payment that was made in 2019. Spoke with BT and they cannot find a record of the payment despite me sending proof from my bank of the transaction. In 2019 / 20 BT sold the debt to 2 x collection agencies who I've proven the payment was not outstanding however BT still deny the payment was made and the default remains. BT now say the debt has been written off and have no record of the payment. I have contacted Equifax and Experian who will try to help. Is there anything else I should do? It's left me feeling a bit bruised and helpless.
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Start an official complaint and if not resolved within 8 weeks (or you receive a deadlock letter) take it to the Ombudsman?1
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How could they sell the debt to two separate debt collectors ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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They passed it to the first one who eventually accepted that there was no debt. Then around 6 months later another debt agency contacted me. Again, I showed the amount had been paid to BT. I contacted BT again today and was advised that they had not recorded payment and the debt had been written off.sourcrates said:How could they sell the debt to two separate debt collectors ?1
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