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    Debt question

    I hope this doesnt end up as the usual "classic thread" post but what it is, is that I have a almost clean credit file It was clean till 2 months ago when I started getting contacted in the last month for utility bills for a property I moved away from 3 years ago and got and paid a final bill at the time.

    This worries me as Experian shows this as 4 late payments in the last year(as there was seperate bills for gas and electric) which means I think if I apply for credit this will affect it, even a mobile phone.

    Just wanting peoples experiences on situations like this i.e how they think it will affect credit rating.

    14 Comments

    if it was a mistake the provider can update their records and remove the info

    Classic thread bro!

    What steps have you taken to correct the errors on your file?


    However if they are correct then as you tried to avoid paying after moving then,surely you should not be given credit as you are untrustworthy?
    Edited by: "boothy" 3rd Nov 2010

    Original Poster

    boothy

    What steps have you taken to correct the errors on your file?



    Contacted the company who just claim I owe the debt despite me having proof of moving 3 years ago claiming I never gave them a final meter reading.

    They are trying to pass it onto a debt collector who are the basic "we say you owe money therefore you do, we dont make mistakes"

    suggest you vist CAB for advice before the government close them all down as part of the cuts

    Banned

    ryouga

    Contacted the company who just claim I owe the debt despite me having … Contacted the company who just claim I owe the debt despite me having proof of moving 3 years ago claiming I never gave them a final meter reading.They are trying to pass it onto a debt collector who are the basic "we say you owe money therefore you do, we dont make mistakes"



    If you didn't give them a final reading, how do you expect them to know what you owe?
    Give them the reading from when you moved and it should be sorted. If you don't have it and/or didn't give them it when you moved I think you are pretty stuffed.

    Original Poster

    colinsunderland

    If you didn't give them a final reading, how do you expect them to know … If you didn't give them a final reading, how do you expect them to know what you owe?Give them the reading from when you moved and it should be sorted. If you don't have it and/or didn't give them it when you moved I think you are pretty stuffed.



    I must of missed that out, thats what I meant when I said I got a final bill when I moved out as got final bill after giving them meter reading.

    But I dont have the meter reading anymore since it was 3 years ago.

    Banned

    ryouga

    I must of missed that out, thats what I meant when I said I got a final … I must of missed that out, thats what I meant when I said I got a final bill when I moved out as got final bill after giving them meter reading.But I dont have the meter reading anymore since it was 3 years ago.



    In that case ask them for a copy of the final bill and take it from there.

    ryouga

    I must of missed that out, thats what I meant when I said I got a final … I must of missed that out, thats what I meant when I said I got a final bill when I moved out as got final bill after giving them meter reading.But I dont have the meter reading anymore since it was 3 years ago.




    In which case you are screwed and need to pay up or get the debt collectors on your case and the amount you owe will increase by a lot,and your ability to obtain any credit will be gone

    So you gave them a final meter reading?

    Did you then pay this bill?

    Do you have evidence of the above?

    Original Poster

    I dont have proof of meter reading, I can get proof of last payment to them i.e old bank statement I assume.

    The weird thing is though, why take 3 years to start chasing me up? Also got a 30 day Experian trial and they only added me 2 months ago something doesnt add up.

    Banned

    ryouga

    I dont have proof of meter reading, I can get proof of last payment to … I dont have proof of meter reading, I can get proof of last payment to them i.e old bank statement I assume.The weird thing is though, why take 3 years to start chasing me up? Also got a 30 day Experian trial and they only added me 2 months ago something doesnt add up.


    cos they didnt know your new address but now the debt agency has managed to locate you.

    Sometimes checking with experian backfires. If you hadn't it probably would have been another 3 years and then it would have been statute barred.

    Proof of the last payment to them isn't proof that it was the final bill.
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