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  • FIRST POST
    • kirstyprune
    • By kirstyprune 14th Mar 18, 10:06 PM
    • 1Posts
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    kirstyprune
    Utility bills, debt collection, and credit score?
    • #1
    • 14th Mar 18, 10:06 PM
    Utility bills, debt collection, and credit score? 14th Mar 18 at 10:06 PM
    My partner and I moved into a new place a few months pack, switched our energy supplier and somehow forgot to find the previous supplier and pay the bills.

    This just occurred to us and we've discovered that the previous bills have been passed to a debt collection agency - under other people's names.

    If we call up and pay these bills now, will this affect our credit scores? We are considering paying one each, rather than one of us taking a double hit. The debts are small, 50 and 35 (including debt agency fees).

    Any ideas how this will affect us? Any experience/advice?
    Last edited by kirstyprune; 14-03-2018 at 10:07 PM. Reason: Typo
Page 1
    • zx81
    • By zx81 14th Mar 18, 10:08 PM
    • 16,831 Posts
    • 17,829 Thanks
    zx81
    • #2
    • 14th Mar 18, 10:08 PM
    • #2
    • 14th Mar 18, 10:08 PM
    The only way debts will impact your credit history is if they appear on your credit files.
    • Gary_Dexter
    • By Gary_Dexter 14th Mar 18, 11:11 PM
    • 1,144 Posts
    • 641 Thanks
    Gary_Dexter
    • #3
    • 14th Mar 18, 11:11 PM
    • #3
    • 14th Mar 18, 11:11 PM
    How do you know they've been passed to an agency if they're under the previous tenants names?

    Your "score" won't be affected as a. the debts aren't under your names and b. the score are made up
    • Tarambor
    • By Tarambor 15th Mar 18, 3:53 AM
    • 2,846 Posts
    • 2,059 Thanks
    Tarambor
    • #4
    • 15th Mar 18, 3:53 AM
    • #4
    • 15th Mar 18, 3:53 AM
    The previous bills for the previous owners/tenants are not your responsibility. If they're not paid it won't affect you.
    • macman
    • By macman 15th Mar 18, 9:28 AM
    • 41,894 Posts
    • 17,378 Thanks
    macman
    • #5
    • 15th Mar 18, 9:28 AM
    • #5
    • 15th Mar 18, 9:28 AM
    You cannot switch suppliers without knowing who the outgoing supplier is. You are liable only for the bills from the start of your tenancy to the date of your switch, so something around 5 weeks if you started the process immediately..
    No free lunch, and no free laptop
    • Tarambor
    • By Tarambor 15th Mar 18, 2:56 PM
    • 2,846 Posts
    • 2,059 Thanks
    Tarambor
    • #6
    • 15th Mar 18, 2:56 PM
    • #6
    • 15th Mar 18, 2:56 PM
    You cannot switch suppliers without knowing who the outgoing supplier is.
    Originally posted by macman
    Yes you can, done it myself. All you need to give them is the meter reference number and they can find out from the meter database.
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