📨 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!

A new default I don’t remember . How to approach?

Options
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!.

Comments

  • Brie
    Brie Posts: 14,746 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    not sure why this has been posted again when you say it's been resolved.

    this has been resolved — MoneySavingExpert Forum
    I’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.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇
  • fatbelly
    fatbelly Posts: 22,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    I have nothing to add to my previous advice
  • CoreyLewis96
    CoreyLewis96 Posts: 19 Forumite
    First Anniversary First Post
    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 help 
  • Nasqueron
    Nasqueron Posts: 10,723 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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 help 
    Complain to them and escalate to the ICO as needed, they cannot add back old defaults after the 6 year period

    Sam 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.

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
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K 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.