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Hello, I hope you are well. My name is***** am a solicitor advocate and I will be assisting you with your question today. I am very sorry to hear of the problem you are experiencing and I will do my best to help you with this matter.
very sorry to hear this has happened.
Unfortunately, an account holder is full responsible for the management of their account and to ensure bills are settled on time.
If a payment is missed or is late, then that’s person runs the risk of having a default notice placed on their credit file. Once that happens it remains there for six years. Even if the amount is settled, the company has no legal obligation to remove that.
As for you moving, the company would have written to you ate your know address. If you moved, then sorry to say the burden is on you to notify people and companies you may owe money or balances to of your new address, or even quicker set up mail redirection with the post office.
Can I assist or clarify anything further?
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