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    So it seems I owed Orange £21 from 2 years ago (this was apparently the last bill and according to the DCA, it's pretty common for people to unwittingly default on last payments). I had no idea about it, I was never sent a single e-mail and if they sent anything to my past address, it never reached me. They sold the debt to a DCA, my account was closed and defaulted (I paid as soon as I found out but it was too late).

    Isn't this unfair? what can be done about it? I had no reason to default on £21 and I'm now afraid that my credit rating is ruined.
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    (Original post by Sisuphos)
    So it seems I owed Orange £21 from 2 years ago (this was apparently the last bill and according to the DCA, it's pretty common for people to unwittingly default on last payments). I had no idea about it, I was never sent a single e-mail and if they sent anything to my past address, it never reached me. They sold the debt to a DCA, my account was closed and defaulted (I paid as soon as I found out but it was too late).

    Isn't this unfair? what can be done about it? I had no reason to default on £21 and I'm now afraid that my credit rating is ruined.
    Put a notice of correction in if possible. They defaulted me, when i shouldnt have owed them any money and they then eventually took it off my credit report. If it doesn't get wiped then it will effect your credit score for 6 years in total i think.
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    (Original post by claireestelle)
    Put a notice of correction in if possible. They defaulted me, when i shouldnt have owed them any money and they then eventually took it off my credit report. If it doesn't get wiped then it will effect your credit score for 6 years in total i think.
    I did owe them, I just was not aware and nobody informed me of the debt. I was not notified that there was an outstanding balance. As soon as I found out, I paid the amount. So in my case, it's not that I didn't owe them, it's that I did not know I did.

    I know it will affect my credit score but I don't know how much - does it mean I will be rejected for loans or other credit? it's just so stupid, I understand if someone is notified and they can't make the payment. There was no month of the year where I was short of £21 in my life. This should not have happened.
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    (Original post by Sisuphos)
    I did owe them, I just was not aware and nobody informed me of the debt. I was not notified that there was an outstanding balance. As soon as I found out, I paid the amount. So in my case, it's not that I didn't owe them, it's that I did not know I did.

    I know it will affect my credit score but I don't know how much - does it mean I will be rejected for loans or other credit? it's just so stupid, I understand if someone is notified and they can't make the payment. There was no month of the year where I was short of £21 in my life. This should not have happened.
    It doesn't mean that you point blank will be refused for credit (my partner has a small default that is 5 years old and actually found it slightly easier to get a credit card than me), it could just make it harder than if you didnt have one, it should get better as time goes on though.
 
 
 
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