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Mike076
Beginner
251 Views
Message 1 of 3

Incorrectly recorded account Default

Good Afternoon 

I am looking for some help on who to contact that can help with an incorrectly lodged default on my account. And I’m sick of going from pillar to post with countless call centre operatives, that either do not listen or don’t have the competence to assist. 

BT have logged a default on my credit file incorrectly is the bottom line and will not remove it. and simply say raise a dispute with equifax which they then respond to saying it’s still the same info. 

back in September 2019 I moved out of my family home, the account wasn’t kept up to date and the first missed payment was recorded in October 2019, 21st December 2019 I made a partial payment after discussing this with the advisor that contacted me. February 2020 a default was recorded and a letter from a DCA arrived. 

My problem is they recorded the default after 5 months, not six, and I had also made a payment as requested by the BT representative towards the outstanding balance. My mortgage application is being rejected on this and looks like we will lose our home. So much for BT being their for their customers. The full amount has been payed to the DCA and BT are refusing to remove the default and saying it could take up to six months to process the payment by the DCA 

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2 REPLIES 2
-Richie-
Guru
242 Views
Message 2 of 3

Re: Incorrectly recorded account Default


@Mike076wrote:

The full amount has been payed to the DCA and BT are refusing to remove the default and saying it could take up to six months to process the payment by the DCA 


If the full amount was paid and no longer owed, the debt should show as 'satisfied' on your credit file.
If BT sold the debt to a debt collection company, you then paid the debt collection company, it's not BT you need to contact, the debt company would be responsible for that, contact who you paid which would be Moorcroft or Lowells.

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Mike076
Beginner
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Message 3 of 3

Re: Incorrectly recorded account Default

That’s not how it works, and also you missed the whole part of BT doing something wrong 

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