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  • FIRST POST
    • SimonLanes
    • By SimonLanes 27th Dec 18, 9:52 PM
    • 14Posts
    • 0Thanks
    SimonLanes
    How To Dispute Default On Credit Report
    • #1
    • 27th Dec 18, 9:52 PM
    How To Dispute Default On Credit Report 27th Dec 18 at 9:52 PM
    Hi Everyone,

    I have a default listed on my credit report from a shared house I lived in years ago.

    I moved out in 2011 (nearly 8 years ago) and as far as I knew I owed nothing for utility bills.

    I learned some time later, that the tenant responsible for the gas bill hadn't been paying it (we all paid him in cash while we lived there).

    He did a 'runner' from the property a few years after I moved out (not sure when, 2014 maybe), owing nearly £3000 to the gas company.

    My name was never on the bill, but somehow it's appeared on my credit report as my debt, it's showing 'gone away' and was last updated in 2015.

    Can I call the gas company and challenge this?

    I'm concerned they may make me liable for the debt and perhaps I'd be better off waiting until it eventually disappears.

    Any advice appreciated.
Page 2
    • SimonLanes
    • By SimonLanes 8th Jan 19, 11:16 AM
    • 14 Posts
    • 0 Thanks
    SimonLanes
    Sorry, when I said credit score, I meant the credit report.

    Lenders will see this default and that will affect my credit rating with them (via whatever algorithm they choose to use).

    I've challenged the default and the financial association on Equifax now.

    Will complain to the gas supplier too.
    • Gary_Dexter
    • By Gary_Dexter 8th Jan 19, 12:18 PM
    • 3,083 Posts
    • 1,779 Thanks
    Gary_Dexter
    Equifax will just contact the supplier who will in-turn say the default is valid and it will still remain,

    There's no point contacting the CRA's until you have an outcome from the supplier.

    Who is the supplier BTW?
    • SimonLanes
    • By SimonLanes 8th Jan 19, 12:57 PM
    • 14 Posts
    • 0 Thanks
    SimonLanes
    British Gas.
    • DTMT
    • By DTMT 8th Jan 19, 3:12 PM
    • 6 Posts
    • 0 Thanks
    DTMT
    The credit ratings and scores generated (read: plucked from the sky) by the CRA’s are not seen or used by lenders.
    Originally posted by Gary_Dexter
    Where is this “plucked from the sky” thread? Do you have a link? I couldn’t find it and I’d like to read it, thanks
    • Gary_Dexter
    • By Gary_Dexter 8th Jan 19, 5:00 PM
    • 3,083 Posts
    • 1,779 Thanks
    Gary_Dexter
    Where is this “plucked from the sky” thread? Do you have a link? I couldn’t find it and I’d like to read it, thanks
    Originally posted by DTMT
    All over the forum - the search box is your friend here.

    Maybe start with the sticky post at the top of this forum called "What your credit score really means"
    • Willing2Learn
    • By Willing2Learn 8th Jan 19, 5:35 PM
    • 1,966 Posts
    • 1,532 Thanks
    Willing2Learn
    I have a default listed on my credit report from a shared house I lived in years ago.

    I moved out in 2011 (nearly 8 years ago) and as far as I knew I owed nothing for utility bills.

    I learned some time later, that the tenant responsible for the gas bill hadn't been paying it (we all paid him in cash while we lived there).

    He did a 'runner' from the property a few years after I moved out (not sure when, 2014 maybe), owing nearly £3000 to the gas company.

    My name was never on the bill, but somehow it's appeared on my credit report as my debt, it's showing 'gone away' and was last updated in 2015.

    Can I call the gas company and challenge this?
    Originally posted by SimonLanes
    Who is the supplier BTW?
    Originally posted by Gary_Dexter
    British Gas.
    Originally posted by SimonLanes
    If it were me, I would make a written complaint to British Gas. I would make it clear in the letter that you were not the individual
    responsible for the energy contract. You could, if you wish, state that the person who was contractually responsible for the account was Mr/Ms XXXXXXXXX.


    With a complaint, you have the option of escalating the issue to the FOS and/or ICO if there is a deadlock.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Debt_suvivor
    • By Debt_suvivor 8th Jan 19, 7:37 PM
    • 47 Posts
    • 12 Thanks
    Debt_suvivor
    Whoa let me stop you all right there... this is a utility account. They are not covered under CCA so no chance they will provide a signed agreement and under no legal obligation to provide this. That’s just wasting a lot of time. You need to know the supply dates for the account first off. After this you need to provide proof you wasn’t at the address at the time
    • Debt_suvivor
    • By Debt_suvivor 8th Jan 19, 7:42 PM
    • 47 Posts
    • 12 Thanks
    Debt_suvivor
    Am assuming with the age it’s been sold on? If so come back and I can advise further
    • SimonLanes
    • By SimonLanes 9th Jan 19, 9:08 PM
    • 14 Posts
    • 0 Thanks
    SimonLanes
    Thanks all.

    It's not been sold on as far as I know.

    I moved out in 2011 but sometime after this, British Gas created an account for 4 tenants (including me, and the one who was actually liable) and made us all liable for the gas from 2009 to 2014 (when the liable tenant did a runner apparently).

    This default seems to have been updated in 2015 according to Equifax.

    So I guess that's why it's not been sold on or written off?

    So the period that applies to me (sort of, my name wasn't on the bill) is 2009-2011.

    But somehow I've been bundled into a bigger debt which defaulted 2014.
    • SimonLanes
    • By SimonLanes 11th Jan 19, 1:08 PM
    • 14 Posts
    • 0 Thanks
    SimonLanes
    I'm now being asked to provide tenancy agreements to prove that I moved out the property in 2011.

    I'm fairly certain I won't be able to get hold them.

    Shouldn't it be the gas supplier's job to prove liabilty, not my job to disprove it?

    This is getting ridiculous.
    • Gary_Dexter
    • By Gary_Dexter 11th Jan 19, 2:23 PM
    • 3,083 Posts
    • 1,779 Thanks
    Gary_Dexter
    They can't prove that you didn't live there.

    Whomever you rented with should have kept records for 7 years
    • Facknats
    • By Facknats 13th Jan 19, 5:57 PM
    • 23 Posts
    • 29 Thanks
    Facknats
    Are you sure the tenant didn't put it in your name to avoid paying? All sounds a bit fraudy
    • SimonLanes
    • By SimonLanes 13th Jan 19, 8:26 PM
    • 14 Posts
    • 0 Thanks
    SimonLanes
    Facknats: the gas supplier said they opened the account in the names of 4 tenants, a few years after I moved out.

    Guessing the liable tenant wasn't paying so they wanted to chase other tenants too.

    May have been the landlord who gave them the names.

    Unfortunately I can't get tenancy agreements from 2011 to prove I moved to a different property.

    Property owner doesn't have them, nor does the letting agent (who was bought by Countrywide a few years ago anyway).

    This was over seven years ago so I guess no one is obliged to keep those records.

    Best I can do is get something in writing by the property owner of the house I moved to, confirming when I moved in.
    • SimonLanes
    • By SimonLanes 14th Jan 19, 10:57 AM
    • 14 Posts
    • 0 Thanks
    SimonLanes
    They're asking me for meter readings now, from a property I moved out from over 7 years ago, and where I was never liable for the gas bill.

    This seems to be going nowhere and I feel like I'm having an email conversation with a robot.
    • Gary_Dexter
    • By Gary_Dexter 14th Jan 19, 11:17 AM
    • 3,083 Posts
    • 1,779 Thanks
    Gary_Dexter
    You need to raise a complaint with them

    You will then get a call back from the complaints team who are in the UK (not that that matters).

    They will then either resolve it for you, or send out a letter of deadlock and you can then go to the ombudsman
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