Unathorised British Gas switch leads to 3 credit file defaults

[Dansher1dan]

I’m hoping someone is able to help me.

 

Back in August 2010 I British Gas adviser knocked on my door and offered me savings on both my gas and electric

if I was to transfer to them from Scottish power

I decided to do so and settled my accounts accordingly,

however after a few weeks I then had a Scottish power representative knock on my door asking why I’d left them

I explained what happened when the British Gas representative came around

he then went on to show my how in fact my bills would actually increase by transferring to British gas

at that stage I decided I was going to transfer back to Scottish power,

after a few weeks I received a letter to settled my account in October 2010

which made me now a Scottish power customer and owing no money to either company.

 

Now this is where things become difficult.

Everything was fine but

then at the beginning of November 2010 I received a welcome to British Gas letter

I phoned Scottish power to see why British Gas had sent me this letter and

they told me British Gas had been in touch saying I’d signed back with them

but I hadn't authorised any change to my supplier

Scottish Power told me it was too late to stop this change from happening

but what they would do was get in touch with British Gas and do another swap back to them,

after speaking with Scottish Power I spoke with British Gas telling them

I hadn't authorised them to take over my Gas and Electric

to which they apologised and said they would investigate and get back to me.

I then received a final bill from Scottish Power and

I rang them and informed them what had happened and that I was coming back

as I hadn't authorised the swap and

they agreed to put the final bill onto the new account as I was previously paying by direct debit a

nd was going back to them on a direct debit.

Going back to British gas I have never heard anything from them regarding this matter and in fact I’d forgotten all about it.

 

The problems now come because I’m after moving my mortgage I thought I’d check my credit files before I did

and on it are 3 Defaults

2 from British Gas (Gas and Electric) and

1 from Scottish Power.

British Gas are saying they sent me final bills to an incorrect email address

and I had assumed the Scottish Power final bill had been put onto my new account as agreed and

when I tried to ring them regarding this they said they had no accounts from me owing money that they were all settled,

I applied to Experian to get the default removed

but have just had an email from Experian saying that Scottish Power had been in touch saying I do owe the money now.

 

Can anyone advise me if I have any rights and if I can get these defaults removed,

I don't dispute that this money is owed

but I do dispute that with the confusion and circumstances

that I failed to make reasonable steps to sort them out.

 

Kind regards