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.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Default

I was living at an address and I moved out of the property in december, 2017, I had nowhere to go at that point in time so couldn't provide an address to the housing agency as to where I was going and just wrote "N/A", fast foward 6 months and I check my credit report and find out there is a default on my account from British Gas for £700. Up until the point I moved out, my bills were paid in full, and I had 0 debt on the account, I imagined I had paid everything that I had needed too. I had no notification of debt, or notice of default, granted that I didn't give them an address. I also find it really hard to believe that I could be paying my gas bill whilst I was living there for 6 months and still end up with £700 left to pay. I was a single guy living alone and only had the heating on for 3 of the months I was living there(3months was summer time) regardless is there anything I can do about this default on my account? I want to get a morgage for a house within the next couple years and this default is the only thing on my account. Could I still get a morgage with a settled default?

Comments

  • Did you inform the gas company you were moving out?

    They would need a forwarding address to send you a final bill.
    This is likely what it’s for.
  • x34cha
    x34cha Posts: 45 Forumite
    Fifth Anniversary 10 Posts
    I didn't no, as I didnt have a forwarding address, and I imagined that my debt with them was setteld as the guy came to check the meter for the final bill whilst I was there and then I got a bill afterwards which I paid in full, but it appears they gave me another bill after that which obviously I never recieved and then eventually its caused this default. I have no issue paying off this debt, I realise that it's my issue that I didn't provide a forwarding address, however I am here to ask if there is any way I can get it removed through "no notice of debt/default".
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
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K 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.