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Hi there
This is my first post, so please go easy on me if I make a few mistakes, or something out.
I bought a dilapidated flat in 2015 and sadly became unwell so the flat has never been fixed, its never had water, electricity or gas in the flat, or at least has never had any usage. I've not been to the flat since i bought it in 2015, it originally was bought as a project but then this year i decided to sell it as i needed the money as i wanted to buy a family home, however when i checked my credit report it showed that i had missed British Gas payments from 2017 for electricity, not sure why they began to record them on my credit report 2 years later?
I spoke to their debt team today to see whats going on and they said i owe them as its for accrued standing charges and the missed payments on my credit report are accurate. Apparently the account was set up by myself in 2015 over the phone, however both my forename and surname were slightly mispelt, which meant that my email address which is my name was also mispelt, thus i received no emailed bills , nor any emails demanding payment or anything otherwise, they said thats irrespective as they sent paper letters to the address *which again would have been in the wrong name, not that ive been there. I asked if they had discretion to remove the missed payments from my credit file as they should be able to see that they misspelt my name and can see that i never had ANY usage and for 25p a day standing charge, that something is amiss and that their mistake was that the account was wrongly set up and email was wrongly inputted and that i wouldn't avoid paying 25p a day to ruin my credit report, and surely they could understand that it makes no sense as to why i would allow it to accrue without any usage or benefit, if they had been in contact and i received any bills, i would have cancelled the account. I tried to reason that their were mistakes on both parts but they were adamant that the missed payments on my credit report would not be removed and would stand, I did try to again reason and ask if there was anything i could do and the guy basically said pay your debt and that nothing would be altered as its not inaccurate reporting on my credit report. I got really upset and the guy said that he will call me tomorrow to talk about a payment plan as the debt needs to be recuperated.
I really would appreciate any help with this as its ruined my credit report and i don't know where to turn, is their any probability of the missed payments being removed? has anyone been through anything similar?
Thanks in advance.
Sophia
This is my first post, so please go easy on me if I make a few mistakes, or something out.
I bought a dilapidated flat in 2015 and sadly became unwell so the flat has never been fixed, its never had water, electricity or gas in the flat, or at least has never had any usage. I've not been to the flat since i bought it in 2015, it originally was bought as a project but then this year i decided to sell it as i needed the money as i wanted to buy a family home, however when i checked my credit report it showed that i had missed British Gas payments from 2017 for electricity, not sure why they began to record them on my credit report 2 years later?
I spoke to their debt team today to see whats going on and they said i owe them as its for accrued standing charges and the missed payments on my credit report are accurate. Apparently the account was set up by myself in 2015 over the phone, however both my forename and surname were slightly mispelt, which meant that my email address which is my name was also mispelt, thus i received no emailed bills , nor any emails demanding payment or anything otherwise, they said thats irrespective as they sent paper letters to the address *which again would have been in the wrong name, not that ive been there. I asked if they had discretion to remove the missed payments from my credit file as they should be able to see that they misspelt my name and can see that i never had ANY usage and for 25p a day standing charge, that something is amiss and that their mistake was that the account was wrongly set up and email was wrongly inputted and that i wouldn't avoid paying 25p a day to ruin my credit report, and surely they could understand that it makes no sense as to why i would allow it to accrue without any usage or benefit, if they had been in contact and i received any bills, i would have cancelled the account. I tried to reason that their were mistakes on both parts but they were adamant that the missed payments on my credit report would not be removed and would stand, I did try to again reason and ask if there was anything i could do and the guy basically said pay your debt and that nothing would be altered as its not inaccurate reporting on my credit report. I got really upset and the guy said that he will call me tomorrow to talk about a payment plan as the debt needs to be recuperated.
I really would appreciate any help with this as its ruined my credit report and i don't know where to turn, is their any probability of the missed payments being removed? has anyone been through anything similar?
Thanks in advance.
Sophia
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