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I used to have an account with BT back in 2008-2009. When I was moving house in 2009, i cancelled my contract paid what i owed and gave them my forwarding address.
Today, three years later, I have received an alert from equifax to say an item has been added to my credit file from BT. BT never had any entries on my credit report at all, up until now. They havent put any history of payments from month to month like the other companys do abot paid on time, missed payments etc. There is just a red box saying defaulted. It stays the date of default is feb 2010 (but only been put on this week)
I am sooo distressed about this, i am planning to appy for a mortgage next year and I know this will jeopardise my chances of it!
What can I do. I know I followed all the correct procedures at the time!
I am really scared about the effect this is going to have on my life and ability to buy a house!
Can someone please advise me and what I can do, and what is the liklihood of anything happening.
I have spoken to them before, but they said because of how old the account is, they cannot access it and I have to wait for someone to call me back in 24 hours.
Surely they would have needed to inform me in writing if this was going to happen. I can request to listen to the recordings of the phone calls from when i cancelled etc cant i??? :'(
Today, three years later, I have received an alert from equifax to say an item has been added to my credit file from BT. BT never had any entries on my credit report at all, up until now. They havent put any history of payments from month to month like the other companys do abot paid on time, missed payments etc. There is just a red box saying defaulted. It stays the date of default is feb 2010 (but only been put on this week)
I am sooo distressed about this, i am planning to appy for a mortgage next year and I know this will jeopardise my chances of it!
What can I do. I know I followed all the correct procedures at the time!
I am really scared about the effect this is going to have on my life and ability to buy a house!Can someone please advise me and what I can do, and what is the liklihood of anything happening.
I have spoken to them before, but they said because of how old the account is, they cannot access it and I have to wait for someone to call me back in 24 hours.
Surely they would have needed to inform me in writing if this was going to happen. I can request to listen to the recordings of the phone calls from when i cancelled etc cant i??? :'(
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