It's frustrating as generally I try and do everything in writing, and also make sure I keep any relevant paperwork. With the amount of things that needed doing before moving though, I think this has slipped through the net - and has been very costly as a result. A bit gutted to see that this could be a black-mark for the next 6 years when I've got no real idea how it happened, and could've paid it as soon as it was brought to my attention. Yeah, I was intending on a SAR just to work out what had actually happened. I think I probably will do that as a first step now - just to confirm what happened.

As far as I was aware, Talktalk was successfully closed in August. As far as I know there were no further monthly payments due. I rang TalkTalk to inform them that I was moving and closing my account back in August, I don't recall them asking for my next address. Had they asked I would definitely have given it though. I'd also be surprised if they don't have my mobile number, as I seem to recall getting marketing phone calls from them at one point. The £65 that is appearing as a default is also the correct amount for a bill too, so it would definitely appear to be TalkTalk and a final bill - but I knew nothing of this until seeing it appear on my CR this morning. I must admit, I'm very confused as to what has happened here - as to my knowledge everything was OK.

The loan I paid off is fine - but my credit record looks a bit poorly due to this default! Sorry if I didn't make that too clear. Ah, I feared that being outside of the CCA they weren't required to issue a DN. That's a pain, I can't really seem to find any guidance regarding defaults outside the CCA.

I've recently paid off a loan and checked my credit record to ensure it was correctly settled.. when I've seen a default from TalkTalk dated Feb. Despite clearing off a £4k loan in 10 months, I've been screwed by a £65 default courtesy of TalkTalk. Essentially I cancelled my TalkTalk package in August, prior to moving house. I thought nothing more of it (and received no correspondence) until this mornings discovery. Apparently I've defaulted on £65, I presume the final payment? Now my issues revolve around the fact that I had no knowledge of this situation, and - to the best of my knowledge - TalkTalk made no attempt at rectifying the situation. I plan to draft off a letter this evening - highlighting the following points: Failure to inform me (via a Default Notice*) and provide me with a means of correcting the decision; Failure to ensure the accuracy of their data, per one of the Information Commissioners principles; Failure to adhere to their own Terms and Conditions, via storing my personal information in an inherently insecure manner with nothing resembling a coherent security policy. Clearly the main point is (1), but working professionally in Information Security - and having used the catalogue of TalkTalk failings as an example in numerous presentations since October, number (3) also seems an interesting point to make. My only query is - do telecoms contracts come under the Consumer Credit Act? I doubt it, and if that's the case - then is there any guidance I can view? I can only seem to find guidance for the Consumer Credit Act, which requires the filing of a Default Notice. I'm not sure if this requirement exists for agreements outside the CCA? I will also be doing a Subject Access Request as per the DPA, to try and work out what actually happened - as I'm stumped. If they refuse to rectify the situation, I'm pondering whether Ofcom or the ICO would be the next step - or if there's anyway I can really fight this? It's absolutely atrocious. Any advice guys and girls? Cheers!