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A new default I don’t remember . How to approach?
CoreyLewis96
Posts: 19 Forumite
Good evening.
i hope we are all and enjoying the sunshine!.
I have come home the other today from a letter from
JC INTERNATIONAL ACQUISITION LLC
The letter states I owe £78.00 from a previous sky bill from a previous address.
I haven’t been with sky for a minimum of 10 years as this was when I lived at university and I have only just recently purchased my first house and lived with parents.
Anyway. This is the first time I have ever heard of this debt and don’t re call ever hearing anything in regards to this otherwise I would have sorted this prior.
i have searched my credit score today (3 or 4 days later) and have been on it for the last 3 or 4 years whilst I saved for my house and I have never had missed payments or any defaults or anything show in regards to this or anything else. However, as of today it is showing as a default since January 2021, which makes no sense as I have not been with sky for 10+ years?.
I have already messaged them asking for proof of debt (ai helped me write an email) What is the best way to approach my credit score shall I await for a follow up or should I dispute?
Thank you!.
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Comments
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not sure why this has been posted again when you say it's been resolved.
this has been resolved — MoneySavingExpert ForumI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions 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.
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I have nothing to add to my previous advice0
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Hi sorry for the double post. Essentially it’s not resolved I tried to delete my other post but it would not allow me to do so, so I just amended and put that.
As mentioned above since my first post there’s been an update. Before it wasn’t on my credit score whereas now it is and that’s my concern.Sorry again as you can imagine I’m worried and I need help0 -
Complain to them and escalate to the ICO as needed, they cannot add back old defaults after the 6 year periodCoreyLewis96 said:Hi sorry for the double post. Essentially it’s not resolved I tried to delete my other post but it would not allow me to do so, so I just amended and put that.
As mentioned above since my first post there’s been an update. Before it wasn’t on my credit score whereas now it is and that’s my concern.Sorry again as you can imagine I’m worried and I need helpSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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