for a family friend
In may she had a letter from a debt collector saying she owed £1200 to a water company for a property she moved out of in 2006
she contacted the water company who found the system was at fault and had the record of the phone call in 2006 (but not was said) to say i,ve moved and this is the new property. and direct debit payments continued for the new property.
there system kept charging the account for four years and the new owner didnt pay anything they sent debt letters to the old address until may of this year
the water company reduced the balance to zero and said sorry.
now she applied for a mortgage with what she thought a perfect cra record then bang mortgage company have stopped in their tracks today. saying you have a debt collectors search on your record and the rate you want is no longer available
what are her options