Default help

Disneyfan123

I am looking to get a mortgage so i checked my equifax account and it showed there was a default added to my account on 22-1-22 for £24 by bt. I have not been with bt for over 6 years and on the default it says it s for my previous address. I checked my old bt account and it says balance is zero, ive had no correspondance from bt about this either. I phoned rquifax to dispute it but they came back to me today to say it is correct and will not be removed. I called bt and they claim to not be able to find that account. I have made a complaint to the ceo of bt. I am looking to get a new mortgage in 2 years time. Are they allowed to just add a default even though i closed the account 6 years ago? I am not convinced i owe them any money. Just seems strange to me it has been added all these years later.

thanks!

[Deleted User]

They are allowed to add it if they have evidence you owe it, but at the same time, defaults should be registered after 1-3 contractually agreed payments are missed so if you have not used them for 6 years, the default should be on the date you actually defaulted, not 6 years later. A formal complaint is the only way to go unfortunately