Default on my credit file by British Gas

[flowerz]

Hi I really need help!!

I have had a default put on my account by BG which I was completely unaware of only came across this because I was refused a mortgage:mad2:. Credit file shows the default of £64 had been put on 25/11/11 however I cancelled in April 07 and was sent my final bill for 10/05/07. I still have this final bill so my question is can BG put a default on 4 years later and if not should they have removed it by now as it has been on my file for over 6 years . I have been on the phone speaking to Dan from the complaints management team at british gas who spoke to a member of the team that remove defaults and they point blank refused to remove my default because they did not have the date for my final bill. Dan asked me to email a copy of my final bill to him so he can show them, I have emailed a copy over. I now need to wait till Monday to see what will happen. Any advice will be appreciated as I don't know where I will go from here if they refuse to remove the default

[enquirer]

Re: Default on my credit file by British Gas

You are sure that the final bill was paid in full, and on time. Do you still have evidence of that payment? Are you sure that you have never received any correspondence about this from BG, at this or any previous address?

If they won't play ball, hit them with a Subject Access Request (SAR) under the Data Protection Act 1998. Mention that you are particularly interested in documents related to the alleged default.

Their bizarre assertion that they 'do not have the date for your final bill' - in effect, that they have no record of your final bill - has no credibility whatsoever.

[enquirer]

Re: Default on my credit file by British Gas

This sort of thing seems to be increasingly common.

It is difficult to decide whether it is simple incompetence, or it represents an attempt to increase revenue by effectively holding people to ransom.

[ncf355]

Re: Default on my credit file by British Gas

Whether the bill was paid in full or not, this Default should be removed

If it was paid, then they never had a right to register a default and you should consider small claims action for damages

Even if it wasn't paid, and If what Flowerz states regards the dates is correct, the time to enter the default would have arrived on 15th October 2007 (so 3 months after the 15th July 07'), so by rights that default should now be removed when considering the 6 year default life ICO guidance

I'd be inclined to allow them the rest of this week to remove it, and if they dont make a formal complaint to the iCO

But as said above, if it was paid, give serious consideration to cour action for damages

[CleverClogs]

Re: Default on my credit file by British Gas

I really must find - and scan - a letter I received from a senior numpty at E.on wherein she claimed that section 5 of the Limitation Act 1980 did not apply to them.

She was - of course - quite utterly wrong!