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Hello
This is my first time here & i’d really appreciate some advise.
I’ll start by saying that i have lived at my current address since 20th September 2017.
My landlord sent all the utility companies my details. Severn trent wrote to me asking me to phone them to set up an account & direct debit. I sorted it plus gave them my previous address(s). I expected they’d send me a bill if anything was outstanding, but i got nothing. I’ve since then made my payments every month without incident, which shows on my credit report.
So, a few weeks ago, i received a letter from Severn trent, saying that i owed £553 from a previous address. They said they had in fact sold the debt to a collection agency, and now it had been referred back to them.
I signed into my online account and spoke to a representative. She said this was from an old address, which i did actually live at, from four years ago. I asked that they show some proof that this is my debt, if it is, fair enough, i’ll pay, but why am i only hearing about this now!
So a few days later, i looked on my credit file & literally that week a default appeared, Severn trent £553 from June 2017 to the current date, missed payments on every month, i was horrified. Had absolutely not a clue. I’ve formally complained. Not heard back yet.
On Monday, i looked at my credit file again & saw that Severn trent has added all addresses i am linked with, all were accurate, but 1, in Hampton London, i’ve never even been there before, i’ve contacted them again to ask what the hell! Gets worse as looking more, i saw a CCJ for the same amount as the default, so it must be Severn trent, it just appeared that day! Was filed on August 2018, i had no idea! This has got me so stressed, they know where i live! I wanted to buy my first house next year, not a chance now they’ve tarnished my credit.
my partner says it’s not that big a deal as it’ll be gone 3 years in August, but that’s not the point, they did wrong,.
what can i do? Have i a leg to stand on regarding having this CCJ removed?
i’d really appreciate any help/advise.
thanks in advance
Libby xx
This is my first time here & i’d really appreciate some advise.
I’ll start by saying that i have lived at my current address since 20th September 2017.
My landlord sent all the utility companies my details. Severn trent wrote to me asking me to phone them to set up an account & direct debit. I sorted it plus gave them my previous address(s). I expected they’d send me a bill if anything was outstanding, but i got nothing. I’ve since then made my payments every month without incident, which shows on my credit report.
So, a few weeks ago, i received a letter from Severn trent, saying that i owed £553 from a previous address. They said they had in fact sold the debt to a collection agency, and now it had been referred back to them.
I signed into my online account and spoke to a representative. She said this was from an old address, which i did actually live at, from four years ago. I asked that they show some proof that this is my debt, if it is, fair enough, i’ll pay, but why am i only hearing about this now!
So a few days later, i looked on my credit file & literally that week a default appeared, Severn trent £553 from June 2017 to the current date, missed payments on every month, i was horrified. Had absolutely not a clue. I’ve formally complained. Not heard back yet.
On Monday, i looked at my credit file again & saw that Severn trent has added all addresses i am linked with, all were accurate, but 1, in Hampton London, i’ve never even been there before, i’ve contacted them again to ask what the hell! Gets worse as looking more, i saw a CCJ for the same amount as the default, so it must be Severn trent, it just appeared that day! Was filed on August 2018, i had no idea! This has got me so stressed, they know where i live! I wanted to buy my first house next year, not a chance now they’ve tarnished my credit.
my partner says it’s not that big a deal as it’ll be gone 3 years in August, but that’s not the point, they did wrong,.
what can i do? Have i a leg to stand on regarding having this CCJ removed?
i’d really appreciate any help/advise.
thanks in advance
Libby xx
