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I moved out of a property in traumatic circumstances in July 2018. I was in about 12 months of arrears with my water.
The letting agent informed STW that I had moved out with no forwarding address at that time.
The account was sent to 1st Locate for collections, I didn’t receive anything from them for ages, so didn’t engage with them.
The account was sent back to STW and was subject to a CCJ in 2021. (This has recently been set aside)
STW have reported a 6 on my credit file for 72 months and say that they are not obliged to default the account so it drops off my file.
The account number also changed at some point so it looks like a new account at a different address from the original one.
The court team say the account is closed to 10th July 2018
I have asked them to record a default from July 2018 but they say no as they don’t have to (see email below).
“I can confirm that I have discussed this account and related reporting in full with one of the Team Leaders on duty who have confirmed our stance that the reporting process followed on our side is deemed correct.
Our criteria to escalate the reporting and register an insight default was not met during the reporting period. Our understanding that it is not an obligation to escalate the reporting to this stage unless satisfied to do so as the company/lender.
The wording of default used by a third party debt collection agency would have been to merely describe the balance owing at the time and not in regards to an insight default or our reporting process.
I appreciate that this is not the response you are seeking and understand that the next stage for yourself may to escalate the matter directly to the ICO or dispute via the credit reference agencies we have reported to (Equifax and Trans Union)”
Is their stance correct? An account where no payments were made since early 2017 will still be visible in 2030?
The letting agent informed STW that I had moved out with no forwarding address at that time.
The account was sent to 1st Locate for collections, I didn’t receive anything from them for ages, so didn’t engage with them.
The account was sent back to STW and was subject to a CCJ in 2021. (This has recently been set aside)
STW have reported a 6 on my credit file for 72 months and say that they are not obliged to default the account so it drops off my file.
The account number also changed at some point so it looks like a new account at a different address from the original one.
The court team say the account is closed to 10th July 2018
I have asked them to record a default from July 2018 but they say no as they don’t have to (see email below).
“I can confirm that I have discussed this account and related reporting in full with one of the Team Leaders on duty who have confirmed our stance that the reporting process followed on our side is deemed correct.
Our criteria to escalate the reporting and register an insight default was not met during the reporting period. Our understanding that it is not an obligation to escalate the reporting to this stage unless satisfied to do so as the company/lender.
The wording of default used by a third party debt collection agency would have been to merely describe the balance owing at the time and not in regards to an insight default or our reporting process.
I appreciate that this is not the response you are seeking and understand that the next stage for yourself may to escalate the matter directly to the ICO or dispute via the credit reference agencies we have reported to (Equifax and Trans Union)”
Is their stance correct? An account where no payments were made since early 2017 will still be visible in 2030?
