Advise on how much to sue a large telecoms company for

[Taija4343]

I had a telephone and broadband package with Bt over 10 years ago. The service was cancelled when I moved home in 2011. There was a cancellation fee that I was disputing and ultimately refused to pay, but the debt is not my issue. BT have been reporting on my credit file that I still have an open account and I have a late payment of the same amount from 2011 to date. They have not taken me to court, sent debt letters or given me a default.

After numerous complaints and raising disputes via the credit reference agency’s, it is now with the financial ombudsman service. Bt have admitted there was an administrative fault and have advised that relevant updates to my credit file will be made.

Apart from the fact that this debt is now well over 6 years old and statute barred, they have been falsely reporting to credit reference agencies for several years. Equifax have reported that this has had a high impact on my credit rating and I have not been able to obtain credit for many years. I feel that due to the financial loss this has caused me i have a good case for taking them to the small claims court. What I would like to know is, what damages am I asking for and based on my circumstances how much do you recommend I sue for?




Any advice would be greatly appreciated

[pt2537]

Ok, soooo, claims of this type arent straight forward.

Is the default still there?

Has the ombudsman ruled on your dispute if so did you accept the response?

Dont pay to much attention to the lack of a default notice, defaults on credit files arent the same as section 87 notices. easy to confuse but its important to be aware of.

You wont get this case in small claims territory, not a chance in my view, it will be complexity that lands you in the fast track, ive litigated many cases like this, not one of them has been small claims.

Are you aware of Grave v Blackhorse. Durkin v DSG Retail. Gavin v PRA Group etc, these cases were all about damage to credit reputation,

Do you have evidence of loss, loss of credit ? Its difficult to advise on damages without knowing what your losses are

[Celestine]

Please, please do LOTS of reading as PT recommends. These cases are NOT straightforward and I speak from very personal experience of how badly wrong they can go.

[pt2537]

Please, please do LOTS of reading as PT recommends. These cases are NOT straightforward and I speak from very personal experience of how badly wrong they can go.

Yep indeed.

Fortunately, since Durkin and Grace its been a lot easier to get home on these issues, if you can show the data isnt accurate your home pretty much. showing the data isnt accurate is the hardest thing though .