This topic

Unknown charge

Endless21 — Tue, 07 Feb 2023 12:46:38 GMT

I'm not sure if this is the right place to post this. I recently noticed my credit score was dropping, on looking into it I apparently haven't paid BT £13.00 a month since November. I don't have anything with BT nor have I received any communication from BT saying I haven't paid. Any suggestions on how I can solve this?

Re: Unknown charge

Keith_Beddoe — Tue, 07 Feb 2023 13:04:31 GMT

@Endless21

If you are not a BT customer, then you will need to raise a report with whoever the debt is with.

Have you ever been a BT customer?

Re: Unknown charge

Endless21 — Tue, 07 Feb 2023 13:06:59 GMT

I tried that but I have no paperwork to prove anything.

Re: Unknown charge

Endless21 — Tue, 07 Feb 2023 13:07:53 GMT

I was with BT around 5 years ago.

Re: Unknown charge

Keith_Beddoe — Tue, 07 Feb 2023 13:17:06 GMT

I assume you have checked your bank statements to make sure BT was not deducting any money before November?

Did you sign up for BT Premium Mail when you left BT, so you keep your BT email address?

Re: Unknown charge

Endless21 — Tue, 07 Feb 2023 13:27:32 GMT

Nothing in bank statements, I don't have anything with BT. I have 2 mobiles with EE who I have been with for 8 years but those 2 bills show as EE. Didn't keep email address either. I have found an email address of the App I'm using so have contacted them, fingers crossed they can sort it out.

Re: Unknown charge

Keith_Beddoe — Tue, 07 Feb 2023 13:40:56 GMT

If you can find out which company has shown the debt.

The first thing you need to do is raise a dispute with either Equifax or Experian, depending on who the debt is with. You can do that at

Online at www.equifax.co.uk/ask
Call 0800 014 2955
Address – Equifax Ltd
- Customer Service Centre
- PO Box 10036
- Leicester
- LE3 4FS

Online at www.experian.co.uk
Call 0344 481 8000
Address - Experian Headquarters Talbot House
- Talbot Street
- Nottingham
- N80 1TH

They'll then liaise with BT for you if they are the ones who have raised the issue.

Re: Unknown charge

Endless21 — Wed, 22 Feb 2023 20:16:35 GMT

This is an account from 2010, not sure why 13 years later it's reactivated.

Re: Unknown charge

-Richie- — Wed, 22 Feb 2023 20:32:28 GMT

The only thing that could cost £13 per month would be a BT mobile sim, did you ever have a sim only deal with BT ?
You say you're now with EE, maybe when switching you only ported one number.

Follow the advice from @Keith_Beddoe and see what they come back with.

Re: Unknown charge

iniltous — Wed, 22 Feb 2023 22:54:01 GMT

Given that the payment history doesn’t show any on time payments at all prior to October 2022 , and the missed payments start October, it suggests something was ‘bought’ just before October, from BT , by someone, and whatever it was costs £13 but no payment has ever been made, or was £2.60 a month , either way the balance owed shows £13.

If it wasn’t you that bought whatever this thing was ( an item or a service ) for £13 in August or September 2022, or £2.60 a month then presumably someone else did , using your dormant account , or impersonated you in some way , and after 6 months , you are being chased for the non payment because it’s in your name, but TBH , £13 is hardly likely to be fraud.

If it wasn’t you that bought something from BT around 6 months ago , it presumably was someone who could successfully pretend to be you, to get BT to supply them with whatever was purchased, or possibly you owe £13 from way back in the past , that unpaid bill has eventually been processed, and they have tried 5 times ( once per month since October ) to recover this amount .
My guess is that you owed £13 from when you were a BT customer, and although it’s been quite a while, it’s still money owed, and since October, BT have tried 5 times to recover the debt, but chances are the account number they had , ending **2629 , is no longer valid account, hence the failure to collect.

Do you recognise the account number ending 2629 ?

Re: Unknown charge

Endless21 — Thu, 23 Feb 2023 08:30:26 GMT

I have a perfect credit record with BT, I had broadband and phone line for almost 20 years including my old address. My broadband was £43.00 I had nothing at £13.00 so I have no idea what this is. I also have the same bank account that I paid BT with and there is money there, I've not had any letters from my bank or BT saying I haven't paid either.