Hi all I had an old RBS debt in 2008 that went to recovery after a debt consolidation company messed up payments. I then hid my head in the sand and it was passed to the Sheriff court. A decree was awarded in Dec 09, and a letter of inhibition applied in Feb 2010. I never met any court officer and simply had this put through my door in 2010 whilst at work. I can’t event remember if it had any documentation with it, other than the letter from the court messenger at arms, and the solicitors debt questionnaire. At the time, I started payments to Anderson Fyfe, which changed name to TLT around 2012. Soon after, they then moved the account to Aberdeen Considine, and I’ve maintained the same small payment ever since. The inhibition stated that I couldn't sell my property, however I moved out in 2012 and then let it out. Life has progressed and my now wife and I own another house which Aberdeen Considine occasionally write to me at. Fast forward to now, I need to sell my old property as the tenants are now out and its been refurbished. The old debt is still there, albeit considerably smaller now. Furthermore, there is nothing on my credit file, which is now very healthy and has a high scoring. I’ve also remortgaged (switched deals) twice on the current property, including releasing equity for home improvements. My concern is that the old property has virtually no equity in it, and I am worried this inhibition is still present, albeit renewed. However, since the initial legal pack was posted in early 2010, I have never heard anything more. The only thing I have had is an annual letter from Aberdeen Considine asking to review the payments. Absolutely no mention of any legal actions or the old address. Does anyone have a view on whether the old decree or original inhibition order will still be active? Thanks! p.s. Will add that National Debt Line are not sure on the answer. And i've tried 20 times in two days to call Aberdeen Considine with no joy.

Well, a development... BG has responded to the Section 10 letter stating that they wrote off the accounts in 2012 and passed to a debt collection agency - never had any calls or letters! It also states they have no record of payment and I need to prove this - working on this with Lloyds who I was with at the time... My credit file doesn't show any DCA taking this on! It does show two open BG electricity accounts (why two?!?!) and a closed BG Gas (this one shows settled in 2012). So, they correctly updated the gas account but some department in BG is still providing updates to all CRA's on the electricity accounts saying their still open; this is despite a letter now saying it was all written off years ago... What the h*ll is going on in that company??! Matt

Thanks all, I am on Noddle and Checkmyfile - both access Callcredit and Equifax. Both both showing accounts with late payments at 6 since 2012. The flat is let out via an agency who confirmed the new tenant - this occurred a few weeks after i vacated. They also immediately changed to EOn. However I contacted them with the forwarding address and settled accounts on departure! No bank statements for that period - no reason to keep anything and nothing indicated to me that there was an issue - again, no contact from BG by verbal, written or electronic methods. I have sent both the complaint and section 10 by recorded delivery. Have emailed copies as well, but surprise surprise, no reply yet. I thought that by law they had to reply to section 10? Surely if they have no live account, there is no contract and therefore reporting to CRA is unlawful! No idea what more i can do! Totally disgusted that they can still impact my rating like this. They are the worst company i have ever dealt with! Will get the notices of correction sent out now. What happens if i can't prove i paid them?! This is coming on for five years later! Really can't get my head round why they haven't been in touch and are still reporting as live accounts!!!!

Hi all, After many long years, I am finally free from most of my problem debts and had expected my rating to improve dramatically. However despite this, it is still showing very poor on Noddle, Checkmyfile et al. I spoken with Checkmyfile for their view and think i know what the issue is. I lived in flat from Dec 2007 to April 2012 where most of my issues racked up - lost job, British Gas meant i stopped paying certain things to keep them off my back - stupid i know, but when backed into a corner not knowing the way out, i just acted. i finally moved from that address, provided a forwarding address and settled final bills. Fast forward to now, and i have found the following: - British Gas are still reporting two accounts at my old address with a late payment marker - These have been reported as late payment since 2012 - no default - According to the CRA, they are reported like active accounts - The gas account was settled at the time. These are two electricity accounts! - The late payment markers are the main reason for my very poor rating - all other accounts are in good shape! I've tried to contact BG four times in the past week with no joy. Only once did i speak with someone who said the accounts were so old, they didn't store any information on them. They did however show two electricity accounts that were in arrears to the tune of £243 and £262!! I was adamant that i had paid to which he said, there is no record of this and i would need to prove it. I've changed banks twice since 2012!! They have never called, emailed or sent a bill out to either the old address (which incidentally i still own but rent out, and has been leased since i left. The new tenant even changed to E-On) or the forwarding address i provided (my in-laws). I am confused by the fact that they have never added a default notice to my file or made contact. What is most worrying however is that I paid and settled the accounts but they have no record! BG made my life a misery and despite being away from them for years, they are still affecting me. My wife and I have tried to remortgage only to be refused - this is the reason!! The remortgage is critical as she is now on maternity leave with no income - I am supporting all three of us and the mortgage payments will go up from January. It gets better - I have a role in financial services and have worked hard to get into a senior position - a poor rating is not compatible with this role and means that my job is in jeopardy! We're now sick with worry at the worst possible time of year... Actions taken so far are: - I have sent a Section 10 DPA notice telling them they cannot share my personal information. Don't know if this will stop further damage. I have noted in this letter that their actions are unwarranted and are affecting not only myself but my wife, who was never linked to that address or these accounts. - Have also sent a complaint letter by email and post demanding they close accounts, clear balances and remove adverse credit file information. Has anyone else come across something like this themselves? Any advice as to how i can finally rid myself of these HELP! Thanks, Matt