Hi All,
hope you are all well, I’m looking for some advice regarding my credit file, and the fact British Gas have applied 2 defaults onto my file in 2020.
I recently applied for a mortgage only for my mortgage advisor to explain that there are 2 defaults from British Gas that were applied in 2020, they have 2 years left to run and has said it’s better of to wait. These defaults being applied to my credit file have come as a surprise to me, I moved house in 2020 and received my final bill (to my new address) and entered an agreement to pay this off. It was all paid in 2022 and the defaults reflect this as they are labelled as satisfied.
I phoned British Gas up and asked about the account and why the defaults were applied? I never received a default notice nor did I receive any letter in regards to missing payments. They originally said that they would look into this at get back to me the following Wednesday, Wednesday passed so I phoned them, the agent agreed they had been applied in error and would send a request to the back office team to have them removed (recorded conversation).
today - they have phone up to say my complaint? Would be going no further and they have followed policy, so therefore they defaults were correctly applied. I questioned why I never received default notices, they said they were sent to the correct address (my old address) as I didn’t provide an up to date address, yet my final bill was sent to my new address.
I have asked for a new complaint to be filed and ask why I was told they would be removed, and why the letters were sent to my old address?
upon more investigation I have found the following
- I was on a dual gas and electric account under one account number, yet they have applied 2 defaults for gas and electric
- the amount that defaulted was different from the amount on my final bill
- on one occasion they phone me and did not go through data protection which was worrying
- moorcroft who I paid the bill through had my correct address
is there anything else I can do? Any requests I can do with them? Where do I stand legally?
thanks in advance
2 x Defaults from British Gas
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Hi Ralph
Welcome to LB
Have any of your complaints been made in writing?
Send British Gas a Subject Access Request, they have 30 days to provide all the data on the relevant account (s). This can be emailed to them, just go to their Data Protection Page.
https://legalbeagles.info/library/gu...ccess-request/
Once you get the data 'build up' a picture of what's transpired and their failures.
Then make a Formal Complaint in writing, follow their complaints procedure on their website, it will be on their website, you highlight some excellent points in your post. If they have 'messed' up your credit rating with the Defaults and you've been declined credit i.e. mortgage etc. Then they owe you compensation.
Update when you get a response, your SAR and Complaint.
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