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Hi,
Any help with this matter would be greatly appreciated. It's a complicated one.
In September 2014 I moved out of a shared flat in which I had ownership of the broadband and line rental with TalkTalk. When I moved out, I filled out the change of ownership and direct debit form to transfer the account to my housemate and sent it off. She continued to live in the property with someone else and pay the account.
Fast forward three years to May 2017, and I received a letter from debt collectors stating that I owe £285 on a defaulted TalkTalk account.
I then spoke to TalkTalk, who inform me that I owed the money for a contract set up in May 2015 (after I had moved out the property).
It turns out, that the Change of Ownership form was not processed, but that the account was being paid for using my former housemates bank card and all login details had been changed to her name. I did not know the form had not been processed, and could not have known.
She then moved out and somebody else took over the account, using their own bank card and email address, but never questioned the name on the account.
The new account user then requested that TalkTalk move the account to her new address, and managed to do so in my name with no questions asked. She then defaulted on this account.
I sent off proof I lived at a different address to the debt collectors, who then wrote the account off and removed all defaults in my name. TalkTalk had told me that once I had settled with Lowell the debt collectors, they would amend my credit file. However, they are now going backwards and forwards on whether they will or will not do this. 3 months on, the default is still on my equifax file and preventing me from getting a mortgage.
TalkTalk spoke to the person who set up the new contract in my name who admitted they had done it by mistake, and TalkTalk confirmed it was unfair to have the default on my file. But still will not remove it. Even after I sent them proof I lived at a different address.
To make matters interesting. According to my credit file, I only paid on the account from October 2014 (after I sent the form off) and there is no record of me paying it before then (when I actually was there!)
What can I do? I would be grateful for any help.
Any help with this matter would be greatly appreciated. It's a complicated one.
In September 2014 I moved out of a shared flat in which I had ownership of the broadband and line rental with TalkTalk. When I moved out, I filled out the change of ownership and direct debit form to transfer the account to my housemate and sent it off. She continued to live in the property with someone else and pay the account.
Fast forward three years to May 2017, and I received a letter from debt collectors stating that I owe £285 on a defaulted TalkTalk account.
I then spoke to TalkTalk, who inform me that I owed the money for a contract set up in May 2015 (after I had moved out the property).
It turns out, that the Change of Ownership form was not processed, but that the account was being paid for using my former housemates bank card and all login details had been changed to her name. I did not know the form had not been processed, and could not have known.
She then moved out and somebody else took over the account, using their own bank card and email address, but never questioned the name on the account.
The new account user then requested that TalkTalk move the account to her new address, and managed to do so in my name with no questions asked. She then defaulted on this account.
I sent off proof I lived at a different address to the debt collectors, who then wrote the account off and removed all defaults in my name. TalkTalk had told me that once I had settled with Lowell the debt collectors, they would amend my credit file. However, they are now going backwards and forwards on whether they will or will not do this. 3 months on, the default is still on my equifax file and preventing me from getting a mortgage.
TalkTalk spoke to the person who set up the new contract in my name who admitted they had done it by mistake, and TalkTalk confirmed it was unfair to have the default on my file. But still will not remove it. Even after I sent them proof I lived at a different address.
To make matters interesting. According to my credit file, I only paid on the account from October 2014 (after I sent the form off) and there is no record of me paying it before then (when I actually was there!)
What can I do? I would be grateful for any help.
