Default

ValentinaMM

Hello 
wondering if someone can help me out! I checked my credit score and noticed a default from BT. 

It was my old address that was down for the default, it said from 2017 for £30. 

I phoned BT to say I’ve not lived there for 5 years so I don’t even know what it is for since I’ve not had any letters etc. 
I’m assuming letters have been getting sent to old address. 

So the default says that I’ve not paid it since November last year which I’m assuming that’s when they started sending letters for a debt from 2017.
I don’t have an idea what it could be for. 

BT say there is no account in my name and can’t see any further back as it’s been so long, so I’m not sure how to find out how to pay this as I just want it off my account. 

Does anyone know how I can do this 😩?

thanks 

cymruchris

When you moved 5 years ago - did you have a BT account at that address - and when you left - did you close the account?

When you moved to your new address did you still have BT services? Did you take out a new contract for a new phone line etc?

If you happened to leave your last property, and not settle your final bill, and didn't use BT at your new property, and you'd not told them where you now lived, they'd not know where to send the bill. It would have been your responsibility to ensure that any contracts with the old property were properly cancelled and any payments to be made completed. If you happened not to pay your final bill, then there would have been a period of non-payment followed by a default, so is in essence an accurate record of events.

Even if you paid the outstanding bill today, the default would remain.

sourcrates

What date does the date of default show ?

It will remain for 6 years, then will be automatically removed.

ValentinaMM

cymruchris said:

When you moved 5 years ago - did you have a BT account at that address - and when you left - did you close the account?

When you moved to your new address did you still have BT services? Did you take out a new contract for a new phone line etc?

If you happened to leave your last property, and not settle your final bill, and didn't use BT at your new property, and you'd not told them where you now lived, they'd not know where to send the bill. It would have been your responsibility to ensure that any contracts with the old property were properly cancelled and any payments to be made completed. If you happened not to pay your final bill, then there would have been a period of non-payment followed by a default, so is in essence an accurate record of events.

Even if you paid the outstanding bill today, the default would remain.

I didn’t have a BT account, we had BT sports through sky but that’s all I can think of. But can’t seem to find an account anywhere in my name to sort it out. 

Oh yes I know it will remain on my account but it’s just so I can pay it so it will be settled on my credit report. 

Is there a way I could track this down to find out which debt agency it may be with? 

ValentinaMM

sourcrates said:

What date does the date of default show ?

It will remain for 6 years, then will be automatically removed.

It says date of default July 2017 but only showing from October last year on my credit report. Know how it shows you like a full calendar of when payments were made etc and it shows a D since October last year. So I was assuming that’s when they had started sending letters maybe. 

cymruchris

ValentinaMM said:

sourcrates said:

What date does the date of default show ?

It will remain for 6 years, then will be automatically removed.

It says date of default July 2017 but only showing from October last year on my credit report. Know how it shows you like a full calendar of when payments were made etc and it shows a D since October last year. So I was assuming that’s when they had started sending letters maybe. 

So it should disappear by itself in July 2023 which isn't far around the corner. In the time taken to rectify it might be just as quick to let it die naturally. However if you're sure you didn't have a BT account, and BT themselves says they can't find any evidence of debt from your own perspective, you might want your file to be correct if it's not your debt. You say BT have applied the default - have you clicked the icon within the credit reference agency to raise a dispute? If not, I'd start with that, including the fact you've called them and can't find any details of debt and await an initial response. (CRA report issues take time to resolve - they don't happen overnight)

sourcrates

I agree with the above, its March now, complaints can take 12 weeks to be looked at and acted upon, by which time it will be June, and by the time any action is taken, the default will have dropped off your file naturally.

I`d let sleeping dogs lie on this one to be honest.

ValentinaMM

Thanks everyone!