Im not sure, let me dig the paperwork out. Thanks for your help though Just give me a few mins.

He has told me that if I pay the owing balance, he will clear the default. I have asked for written confirmation it will be removed from credit history and not just marked as satisfied.

Doesn't that contradict this statement from a previous email below?? .................. Unfortunately I can only echo what my colleagues have stated before, in regards to backdating your tariff. We list all our tariffs on leaflets included with the bills that we send out, and on our website. Our customers are given this information so that they can switch to a different tariff anytime. As the account ****1 811 was closed on 30 June 2012, this is too long ago to backdate. However, as I’ve backdated the tariff to the start of your last bill on your current account (for the period 4 August 2012 to 11 January 2013), this has reduced your balance down to £230.77 (for account ****5 348) and I’ll send an amended bill for you in the post. I can appreciate that this isn’t the response you were hoping for, however if you have any further questions or wish to discuss your payments, please call on 08457 919 155, where we’ll be happy to help. Yours sincerely Jason Traves Customer Services

This response... Dear Mr B We will not backdate tariffs onto bills older than 30 days. WaterSure is a tariff which is bound by strict rules, as set down by the Government when they introduced this tariff for vulnerable customers. We have to abide by these and cannot deviate from them. We also have to be fair and consistent to all customers, therefore, we would not consider backdating your bills when we have declined others. We will not backdate any tariff on to your account except for applying this to your latest bill from 4 August 2012 as detailed below. Once again, I understand you may not be happy with this response; however I hope this has explained our situation. If you’ve any further queries, please don’t hesitate to call us on 08457 91 91 55. Yours sincerely Kirsty Sarginson Customer Services

Ive just asked them via email. Thanks DX

You've lost me there DX, sorry. So the default sum registered on my CRA file is correct to include charges. However the default notice they sent me that gives me 14 or 28 days to rectify should only include the owing amount?

So is there any legislation governed by anyone that states default sums cannot comprise of charges? I mean like roughly 2100% of the original amount owed? lol

Still looking into it although the person I'm speaking with is graham.taylor@bt.com Just out of interest do they not have to abide by any guidelines set out by CCA or anyone to place defaults?

Can anyone clarify if they are allowed to backdate previous accounts and debts? They reckon they can only backdate one year, or this current bill... Something like that. If they can get the arrears down to an acceptable level I would be willing to pay a little more to reduce it significantly.

Can you explain this to me in laymans terms please?

Hi Brig, sorry to hear about the bad news - and hope everything is well with the wife and at home. Not sure what your on about in regards to users on here, but I'm appreciative of your knowledgeable information! If and when you can take a look, that'd be brilliant. Although no rush buddy - family comes first. Best wishes, Tony.

Any chance of input on my other thread please brig? Thanks again

I was £4.76 overdrawn, and they inflated that amount to £105 which is what it defaulted at.

So what they are saying is they consider whether to agree to an informal overdraft, then (sometimes) charge me for the privilege. Then when a direct debit comes out and im already in minus figures, they also consider paying it, refuse payment and charge me for it all. Double whammy.

Fighting a losing battle then eh? All for going £5 overdrawn when I was out of work. It's quite a catch 22 really. I'm £5 overdrawn so struggling anyway, a direct debit comes out and they whack a charge on making me £35 overdrawn - Making situation worse.

Done DX. What do you reckon? As you can see from there response below they feel they haven't done any wrong.

Ive emailed the CEO, and got a response back today saying they are looking into it asap! gavin.e.patterson@bt.com

[ATTACH=CONFIG]48358[/ATTACH]

coming up...

Yeah I realised that Or did you want the default notice?

Did you want this? [ATTACH=CONFIG]48357[/ATTACH]

You've lost me DX. Sorry. Can I fight this Default then, because the sum was enlarged?

Can anyone clarify the situ on the above statements? What do we class as genuine arrears? Any more input here chaps?

Do BT not have to follow specific guidelines in order to record a default against my CRA?

Thank you MR HAT, Do you have a similar situation? Thanks.