Need some advice please…
Two years ago I moved interstate. As I still had my house in my name, I duly updated my address and contact details with ActewAGL for water, gas and electricity. I also had mail redirection for a year. They sent me all of my subsequent water, electricity and gas bills to my new interstate address…except for one gas bill for $159.
Fast forward a year later, I go to take out a loan and my application is refused because of a debt on my credit report. I pay $50 to fast track a report and see I have an unpaid bill from ActewAGL. It is also listed that they had sent two follow up letters and sent my details to Dunstreet and Bradshaw to collect the debt but it still remained unpaid.
I was furious. At no stage did AA or D&B contact me in any manner about this unpaid bill. I rang AA and was put in touch with their credit person who looked into my case and saw proof that for 7 years, I had never once defaulted on any payment or been late. Having accepted that ActewAGL had made an error – I agreed to pay the outstanding amount and they agreed to have it completely removed from my credit file. I have a lovely letter from ActewAGL stating they would do this and apologising for the embarrassment caused.
Fast foward to now – I check my latest credit report as I’m about to apply for another loan, only to find the bad rating is still there – only it has been noted that the debt has now been paid. I’m even more furious now…. It will stay there until 2017 and can cause a lender to still refuse credit.
Where do I go from here? Obviously the word and letter from ActewAGL means nothing…who and how can I take it up the chain and get this thing removed – which was never my fault in the first place?
I’d appreciate any help on this subject.