Hi All
I have previously had a really hard time lost my house through no fault of my own and it has taken 6 years to clear my credit file it has all just dropped off my credit rating is now good!
I have always paid all my utilities on time a couple of years I moved house I rang British gas to say I was moving and they only had an estimated meter reading. I cancelled the direct debit and asked them for a final meter reading to confirm what I owed to them. I don't recall ever receiving this, I did have at the time many phone call with them and struggled to get any of them to understand.
I asked for the outstanding amount to be carried forward to my new address and I set up another direct debit. I then got a letter saying I still owed £73 I rang them to see why this hadn't been added to my new account and they said it needed paying separately I was really annoyed about this as I never received a final breakdown for the account and was just sitting on it a bit longer deciding what to do. When I received a solicitors letter saying if I didn't pay they would register this with a credit reference agency.
I did not know at any point this was going on my credit file and with this letter being worded more strongly I rang to discuss. The guy told me if I paid immediately it wouldn't effect my credit file. He did not tell me they had already reported on my file!!
Whilst on my experian the other day I noticed this account so rang them about it, it is now closed and shows I had a payment arrangement for one month in April 2013 it then shows 3 missed payments and a fourth month with ? and then closed. Exprian have classed this as a deliquent account.
So my worry is will this effect me getting a mortgage? Reading online loads of people have had problems with them issuing defaults if I dispute this now will they add a default to the 4th month that just has a ? next to it.
Cant believe I have worked so hard to clear my file and now have a £72 debt that is probably incorrect with them affecting me.
Please anyone can you help x
I have previously had a really hard time lost my house through no fault of my own and it has taken 6 years to clear my credit file it has all just dropped off my credit rating is now good!
I have always paid all my utilities on time a couple of years I moved house I rang British gas to say I was moving and they only had an estimated meter reading. I cancelled the direct debit and asked them for a final meter reading to confirm what I owed to them. I don't recall ever receiving this, I did have at the time many phone call with them and struggled to get any of them to understand.
I asked for the outstanding amount to be carried forward to my new address and I set up another direct debit. I then got a letter saying I still owed £73 I rang them to see why this hadn't been added to my new account and they said it needed paying separately I was really annoyed about this as I never received a final breakdown for the account and was just sitting on it a bit longer deciding what to do. When I received a solicitors letter saying if I didn't pay they would register this with a credit reference agency.
I did not know at any point this was going on my credit file and with this letter being worded more strongly I rang to discuss. The guy told me if I paid immediately it wouldn't effect my credit file. He did not tell me they had already reported on my file!!
Whilst on my experian the other day I noticed this account so rang them about it, it is now closed and shows I had a payment arrangement for one month in April 2013 it then shows 3 missed payments and a fourth month with ? and then closed. Exprian have classed this as a deliquent account.
So my worry is will this effect me getting a mortgage? Reading online loads of people have had problems with them issuing defaults if I dispute this now will they add a default to the 4th month that just has a ? next to it.
Cant believe I have worked so hard to clear my file and now have a £72 debt that is probably incorrect with them affecting me.
Please anyone can you help x
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