I have never in my life paid a bill late, not paid a fine or fallen behind on any payment. My credit cards have been paid off in full each month and I’m generally very careful with money. I’m hoping to open a business in the summer and have saved around £30k to do this which I will need to use in full plus borrowing another £20k for which I have an agreement in principle.
But I’ve just opened a letter to find I have reviewed a claim form from a county court business centre for £250. I moved house 2 years ago and set up a Mail redirect for a year. From what I can gather Sky was trying to bill me after I cancelled the Direct Debit but they didn’t start sending letters until after the year long mail redirect was expired. This then escalated to a collection company and they then escalated it to a county court who found my correct address and posted information to me here. I opened it yesterday and paid it straight away. I remember at the time having a nightmare cancelling Sky as I couldn’t get through to anyone so I just cancelled the direct debit and figured if they chased me I could at least talk to someone about how to do properly. But then life carried on and I completely forgot about it ðŸ˜.
It’s not so much the money. It’s annoying but it’s probably my fault and I don’t know why they wouldn’t have just emailed me rather than posting letters over a year after I cancelled but I’m more concerned about my credit rating and whether this has now ruined my dreams of opening my business. I don’t want to do a credit check as I did one relatively recently and have been told doing credit checks on yourself lowers your score. Any ideas? It didn’t actually go to a CCJ, it was a letter from the County Court saying that it would if it wasn’t paid within 14 days.