Default On Credit File

[NigelD99]

Hi 

I’ve checked my Experian account last night and it has a default registered Jan 2022 - relating to a £13 bill from 2016. I have never received a bill for this amount.

I have also checked MyBT online account and it states I owe nothing - zero!!

I am now being turned down for mortgage due to this issue. I have contacted BT customer services today, but didn’t get through to anyone re: the problem. 

I need this resolved as soon as possible and I would be grateful for a conversation with someone in the right department.

 Thanks 

[Keith_Beddoe]

@NigelD99 

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

or 

• 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.

[NigelD99]

Thanks for your really quick reply, Keith.

Can I just ask why BT cannot resolve this matter directly if/after they come back to me? 

thanks again

Nigel