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Random visit from debt collector

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  • Random visit from debt collector

    Hi all,

    Hope you are all well. I am hoping you can offer some advice on the following please.

    Back in October 2014 I moved out of my previous flat as I broke up with my ex. I notified all the banks and utilities that I had left and that she would be staying on. I called around in Feb to ensure all had the right details and it turned out that Southern Water didn't have the correct information. This was actually due to my ex telling them that all bills should be forwarded to an address she thought I was at.

    I don't remember being told there was a final charge outstanding when I called, but as I hadn't lived there since October, had no bills and that my ex had still been living there I assumed that it was all up to date. I didn't receive anything else either. I then moved into my new home in April and since then have heard nothing until yesterday when a debt collector turned up. I promptly declined to talk to him and checked my credit file that showed nothing. I called Experian and they said there were some issues with my file so they would update and I should check today. When I checked there was a default from June for Southern Water.

    It turns out that my ex didn't pay the bill and gave them an incorrect forwarding address for me. I called them up today and found out that it was a £60 default.

    She took thousands out of my bank account to pay bills and told me she paid them all. Even with that I have no issues paying the debt, I just can't have this default impacting my ability to get credit.

    This is the only mark on my credit file and for it to stay on my file for 6 years for such a small amount is really unfair. I am hoping to speak to someone later on but didn't know if there was a better option available?

    Sorry for the lengthy post and thank you for your time.

    Regards,
    Annih
    Tags: None

  • #2
    Re: Random visit from debt collector

    Good morning,

    It is very difficult to get a defaulted account removed from credit files ( this will show on all three main agencies).
    Has SW sold the debt or assigned a debt collection agency to collect it?
    The information Commissioners Office (ICO) regulates the way the credit reference agencies use and display
    individuals data , the entries must be accurate and up to date , a true reflection of the conduct of the account
    your entry is correctly shown.

    You will need to contact SW ( I suggest a senior exec) offer payment of the outstanding amount,
    ask ( there is no obligation for them to agree) if given the circumstance in which the debt occurred
    they will remove the default.
    The stock answer is as I've said above + " the entry will be marked " Satisfied" once payment has been received.
    nem

    Comment


    • #3
      Re: Random visit from debt collector

      Thank you for the reply.

      I am not sure if they have sold it as they said I could make a payment today to them directly.

      They only have put the default on my credit file, no previous history is there and it is under SW.

      I will try to speak to them and see what I can do, I am afraid they might not help, but it is worth trying.

      Comment


      • #4
        Re: Random visit from debt collector

        Originally posted by annih View Post
        Thank you for the reply.

        I am not sure if they have sold it as they said I could make a payment today to them directly.

        They only have put the default on my credit file, no previous history is there and it is under SW.

        I will try to speak to them and see what I can do, I am afraid they might not help, but it is worth trying.
        You should certainly try, if you can convince them that you were led to believe the account was paid and closed
        they might agree.

        nem

        Comment

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