In 2022 I moved my account from BT to Sky, there was an outstanding payment due to BT which I disputed I owed. Whilst away from home for 3 weeks I returned to a letter from Moorcroft to say the debt had been passed to them and I owed the debt plus an admin fee of £13. I was so scared that I rang a paid the amount I owed to BT (£54) and mentioned to Moorcroft I begrudged paying the £13 admin fee because of the dispute so could I just pay the debt which they agreed.
As far as I was concerned the case was closed. I never heard another thing from BT or Moorcroft.
I have had no reason to look at my credit report until recently as I have been saving for 10 years to buy my son and I a house, My credit file is perfect and when the credit check came back to say I had adverse credit I was shocked to say the least. My mortgage has been refused and I am just devastated, so much so it has made me so ill.
I paid the debt I owed to BT on 30/6/22 and they added a default on 24/7/22, it has an amount of £13, I can only think this is for the admin fee and not the debt of £54.
Has anyone any advice about a default being added for an admin fee? And also for a default being added a month after the debt was (as far as I knew) settled.
If Moorcroft had told me the implications of not paying the admin fee, for £13 of course I would have paid it! Surely they had a legal responsibility to tell me that.
I have spoken to Moorcroft, one lady confirmed I never had any further letters from them (I 100% didn’t) the person I spoke to today said they sent me a letter (they absolutely did not)
I’ve logged a complaint with BT but I don’t know how long this will take, I’m at my wits end, I was a perfect customer of BT for 5 years previously,
I have emailed the CEO, Equifax have raised a dispute, I just don’t know what I am going to do now.
A lovely lady at BT has said she willl get back to me but I just can’t afford to wait, I’m not eating, sleeping and am a bag of nerves.
Thanks all.
