Hello I'm looking for some advice on a negative mark against my credit file by a utility company. My partner was paying a utility bill in totally their name, they moved out, cancelled and gave my name to the Utility company. I did not know straight away and missed a payment or 2. I did not sign any contract or credit agreement with the utility company, I was under the impression any company had to have a signed credit agreement before they could edit your credit file. is this correct? or are they allowed to do this. I am about to ring up and clear this debt, but just wondered if I had justification to get the negatives off my credit file. Advice appreciated. Thanks

Thanks for the advice, I will get back when I have some figures.

Thanks for the speedy reply, I will write to them tomorrow for a break down. If I can't find the agreements I will send the SAR off. Also read the links in your sig. But is there a time limit for my response? if I have to wait 40 days for SARS etc. Also is it the norm for them to send a low offer first. I'm not being greedy, if its in the right ball park I'll just accept. Cheersl

Thanks Unfortunately no, this was all initiated by RBS, they wrote to me and explained I had PPI on the loans, I didn't even know I'd signed up for it, so had pretty much ignored the whole PPI thing until then and never bothered digging out the forms. There's a chance I could find the forms from 2007 but doubt I'd still have the 2005 one. Until you asked I presumed they wouldn't be important. Are the forms important to move forward?, will they say much more than how much the loan is and confirm it had PPI. is there a big difference between PPI percentages? Cheers

Hello, First, post sorry if I break and rules, I have read through other posts but not got a clear understanding of my issue. Any help greatly appreciated. I have taken 2 loans with RBS £25000 2005 £25000 2007 I decided to apply for PPI personally rather than through a company. Although it was a hard decision because I'm rubbish at this sort of thing The second loan paid off the first loan midway through 5 year term so not a total figure. There is currently approx 4K left on the loan. No arrears or anything like that all in good order. RBS have accepted my PPI claim and offered me £862. Is this in the right ball park? how do they come to that figure. I put the numbers into some ppi calculators and the result was several thousands. Should I accept the good will offer or am I owed more? Cheers