Before a default can be added to your credit file, your creditor, in this case BT must serve you with a ‘default notice’ or ‘notice of default’. This is a formal letter letting you know that you’re behind on your payments and your account is at risk of being closed if you don’t make up for the money owed.
If you did not receive notice about the default you should ask BT for a ‘statement of account’, which should contain information about the debt, including your outstanding balance.
Once you have that you should compare the "statement of account" against your bank statements which should show where the discrepancy lies and either prove you have no debt or missed payment.
If BT are unwilling or unable to furnish this information you should email the BT CEO whose email address you will find with an Internet search, and out line the complaint that you have.
The CEO will not deal with this personally but it will get to the Executive Complaints Team or spur some other BT Customer Service Staff into action in order to sort this out.
