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My mortgage application was declined because of its mistake on my credit fileMy daughter faces having nowhere to live because of billing mistakes by British Gas. Her landlord served notice, in order to sell the property she was renting, and she was unable to find any other property to rent locally. She decided to buy a house, but her mortgage application was declined as her credit record showed defaults on her British Gas account. She had installed a prepayment gas meter during lockdown due to financial concerns but, unbeknownst to her, there was a duplicate gas account in her name. It’s this that British Gas had declared in default. British Gas has admitted this was an error, but has not removed the defaults. She is likely to lose the house and no one seems to care.SB, NewcastleYour daughter is among countless people barred from the property ladder because of billing errors by a third party. It’s inexcusable that, having identified a mistake, British Gas did not immediately correct it. The mistake, it turns out, is that the switch from a credit account to a prepayment gas meter last year was not completed on the company’s system. That meant that the old credit account remained open and appeared to be in default. British Gas managed to amend the credit report instantly when I queried it, just in time for your daughter to secure the mortgage. Continue reading...