We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 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!

Statute Barred and Credit file

Hi,I would be grateful for any advise.

Had a call a couple of weeks ago from a debt collection agency ,who said that they were phoning about a debt to British Gas for £146.Anyway as I could not recall ever being a British Gas customer I told them that they must have the wrong person and thought that was that.Got another call From DCA a week later,so phoned British gas to see if they could tell me anything about it,after a lot of searching they informed me that the debt was from 2001 when I changed supplier from them - well I've absolutely no recollection of their ever being any amount outstanding on my account nor have I ever been contacted by British gas or anybody else about this alleged debt.

Thanks to this brilliant site I know that this alleged debt is statute barred anyway so sent of the "statute barred " letter to both the DCA and British Gas ,but my main worry is,can they enter a default on my credit file ? I've spent years trying to build up a decent credit rating and would be devastated to see it wrecked over £146.

Thanks in advance for any help
This discussion has been closed.
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
  • 352.5K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.5K Spending & Discounts
  • 245.5K Work, Benefits & Business
  • 601.4K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K 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.