After several years hard work, I can finally say that I have NO MORE CCJ's! I have an account with Call Credit through their Noddle website, but I thought I'd check the other 2 main CRA's to make sure that I'm finally clear. Boy, am I glad I did. I looked online at Equifax's credit report & found that BT had added a default onto my account for £21 on 29/4/2010. I was pretty surprised when I saw that so I took a look around & decided to email Ian Livingston directly to express my anger & upset with this. His reply was to contact 150 & they would explain what the charge was for. I did this & spoke to a really helpful man who explained that when I left BT (due to inconsistencies with their billing process) they sent me a final bill. This was disputed as I only signed up for a 12 month contract & they said it was an 18 month contract. Basically, they issued a credit to the account for the excess line rental & that the amount was from there. I was still not happy & took the gentlemans advice & put this in writing to the BT communications address. I also copied Ian Livingston in on this letter. I was quite surprised when I got an email from Executive support to say that someone would be in touch by the 26th March to sort the matter out. Today I received a voicemail from a Miss X (Executive Level Complaints) and a follow up email. This email stated that a bill was sent on 15/3/10 for £98.51 and that payment was made by card on 20/4/2010. She then went on to say that a final bill was produced for £60.61 on 11/8/2010 and that this amount is still outstanding. She did say that she was "unsure why my credit report shows a default amount of £21 as this isn't the amount that is owing". She then suggested ways that I might like to make a payment..... I've emailed her back as she's admitted that the amount was paid by card on 20th April 2010, although the default was not added to my file until 29th April 2010. She can't find out where the amount came from and also the amount has not been updated as satisfied since the original filing. I have asked for the default notice to be removed due to inaccurate information & also because it has never been updated. Due to the hassle this has caused me, I've also suggested that they compensate me to the sum of £60.61 - surprisingly enough. I've copied some bits of the ICO's Data Protection Technical guidance for filing default notices with CRA's to make sure she's clear on the details. I do not recall ever having received any notification of defaults from BT & their figures are all over the place. Has anyone else had the same experience (or similar)? Hopefully, I'll hear back from them soon. I'll keep you all informed.

Hi First time poster, so apologies if I've put this in the wrong place. A few months ago I received a letter from Wescot stating I had an old BT debt for £211.73, with all the usual threats of court action etc. At that time I was contemplating bankruptcy so decided to offer a minimal monthly payment as part of a debt management plan which would hopefully keep them at bay until I did my bankruptcy. Now circumstances have changed somewhat and I need to put off bankruptcy for at least 3 more years, however I now need to challenge this debt as I do not now think I am liable for it. I had made one payment of around £5.00 to Wescot, then subsequently challenged the authenticity of the original debt. I sent Wescot the standard request for original credit agreement enclosing a £1.00 postal order. Today I received a letter from Wescot stating; "Following your recent request for a copy of the signed agreement we can confirm that this account falls under the following legislation, Consumer Credit (Exempt Agreements) Order 1989, Article 3 (1) and is therefore enforceable" Has anyone any advice on what my next step should be? Are Wescot correct in quoting the agreement excempt status? Should I now send a letter saying this account is now in dispute to Wescot, or should I approach BT first? Any help would be greatly appreciated. Ian