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Can anybody help me please , I am at my whits end with anglian water.
I moved house 2 years ago, until then I had always paid by direct debit.
this was cancelled automatically , so i just recieved ordinary bills from anglian water.
I was late paying one bill for £115, and to my understanding this appeared on the next bill , rolled forward, it was an ordinary blue bill.
I paid the bill in full, The total I think was about £197.
A few months later I applied for a buy to let mortgage (my business is buying and renovating cheap property to let) and was turned down.
I was horrified as it was with an existing lender that I have 2 other properties mortgaged with.
After getting my credit file I found that anglian water had put a default on my file.
I have challenged them about this and have written numerous letters and made many phone calls.
they still refuse to remove it.
my question is how are they allowed to do this?
According to all the information I can find a default is only registerd when there has been a serious breakdown etc and that I have broken a written agreement etc etc. I
I have never signed any agreements, neither were any payment options discussed when we moved house. Anglian water have monthly quarterly 6 monthly and yearly billing.
They say they sent me a notice of intention to file a default, but I have never recieved anything.
It appears from my research on the FCA website that when sending such a notice, a letter explaining what a default is also has to be sent. They say they didnt send one.
I have seen a thread on here challenging the legality of utility companies filing defaults, and it is quite clear to me that the procedures and policies of anglian water are clearly different from what is written on the FCA website, but how do I get them to remove it from my credit file?
just for the record I have a squeaky clean credit file , no missed payments, no ccjs nothing, but mortgage companies just have this policy of any default, immediate rejection.
This has effectively put me out of business. I just cannot buy anything now. I also have a very large credit card debt that was used to renovate a property with the intention of remortgaging and paying it off, but now I cant do that!
I really feel that anglian water are so very wrong, each of the representives I spoke to wanted to remove it, but didnt have the authority. The head of customer services that I have written to doesnt answer my questions, just replies in a condescending way and says he wont remove it.
Please has anybody got any advice?
Please help if you can
I moved house 2 years ago, until then I had always paid by direct debit.
this was cancelled automatically , so i just recieved ordinary bills from anglian water.
I was late paying one bill for £115, and to my understanding this appeared on the next bill , rolled forward, it was an ordinary blue bill.
I paid the bill in full, The total I think was about £197.
A few months later I applied for a buy to let mortgage (my business is buying and renovating cheap property to let) and was turned down.
I was horrified as it was with an existing lender that I have 2 other properties mortgaged with.
After getting my credit file I found that anglian water had put a default on my file.
I have challenged them about this and have written numerous letters and made many phone calls.
they still refuse to remove it.
my question is how are they allowed to do this?
According to all the information I can find a default is only registerd when there has been a serious breakdown etc and that I have broken a written agreement etc etc. I
I have never signed any agreements, neither were any payment options discussed when we moved house. Anglian water have monthly quarterly 6 monthly and yearly billing.
They say they sent me a notice of intention to file a default, but I have never recieved anything.
It appears from my research on the FCA website that when sending such a notice, a letter explaining what a default is also has to be sent. They say they didnt send one.
I have seen a thread on here challenging the legality of utility companies filing defaults, and it is quite clear to me that the procedures and policies of anglian water are clearly different from what is written on the FCA website, but how do I get them to remove it from my credit file?
just for the record I have a squeaky clean credit file , no missed payments, no ccjs nothing, but mortgage companies just have this policy of any default, immediate rejection.
This has effectively put me out of business. I just cannot buy anything now. I also have a very large credit card debt that was used to renovate a property with the intention of remortgaging and paying it off, but now I cant do that!
I really feel that anglian water are so very wrong, each of the representives I spoke to wanted to remove it, but didnt have the authority. The head of customer services that I have written to doesnt answer my questions, just replies in a condescending way and says he wont remove it.
Please has anybody got any advice?
Please help if you can
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