I'm having a similar problem to many people here, I've tried to find an answer, but there doesn't seem to be one. I'm proactively trying to "clean" my credit score so that I can apply for a mortgage later this year, so I checked Clear Score and was very surprised to have a default from BT for £28 dated Dec 2018. Well, I moved house then and all I can think is that I must have cancelled my DD before the last BT bill was taken, my mistake, I'm not disputing the bill. All I want to do is pay it and I can't believe how complicated something so simple is.
I contacted customer services, they confirmed the debt, confirmed the amount, however the debt was sold and there was nothing they could do until the debt was back with BT for me to pay it. I understand this, however the agent told me she had no way of knowing who bought the debt. I know this not to be true, I worked in debt purchasing/collection and I know for a fact that records are kept, it's just a question of finding out who to ask.
I was advised to contact a CRqueries email, who came back saying they had nothing to do with it and their contact should not have been given to me. I also contacted Clear Score who said all they could see is that the debt is with BT. It's ridiculous that all I want to do is pay and no one at BT knows who has the debt. Better yet, no one is bothered to try to find out.
I hope it doesn't take going to the Ombundsman, wasting everyone's time on something that can be sorted with a couple of phone calls or emails.
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This may be helpful ?
Thank you very much for this. I dug through old paper work and true, the debt was with Moorcrfot back in 2018, however they say they "sent it back" to BT when they couldn't reach me. But when I call BT they say they don't have it... I'm going in circles.
Did you get it in writing that (from message 1) "I contacted customer services, they confirmed the debt, confirmed the amount, however the debt was sold and there was nothing they could do until the debt was back with BT for me to pay it.
If you did, you need to raise a dispute with the credit rating agency asking that this debt be removed from your record on the grounds that it cannot be resolved.
They will need to see all of the evidence before making a decision.
I will make sure to get it in writing and I'll follow your advice. It makes sense.
Thank you very much for your help👍
I'll make sure to get in writing and I'll follow your advice. It makes sense.
Thank you very much for your help 👍