allergor
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Eon credit sharing data issues....
allergor replied to allergor's topic in Utilities - Gas, Electricity, Water
Thanks for the reply DX, Am I likely to be refused a mortgage or might it just stall or complicate things? How can the ICO help me? -
Afternoon everyone, I have an issue with Eon Energy. I checked my credit score as I'm about to apply for a mortgage and saw that I have 2 accounts with them. One current one which is up to date and in £250 credit, and one earlier one that has lots of irregular missed payments and is closed and marked as settled. See image... I've been over and over with them for weeks about this and they can't really explain it. They said at some point I switched providers and then came back. They also have no record of me being a client prior to 2013 yet they have been reporting on late and missed payments during this period. This has gone to the Complaints department, then Alternative Dispute Resolution department and to their datashare department. Their datashare say the info is valid and they will not amend anything. Only step now is the financial ombudsman, I really don't have the energy to deal with this. I'm leaving Eon for another energy provider as I've had enough. What I ultimately want to know is, will this 2nd Eon account from 2012-2014 showing missed payments affect my mortgage application? Other than this, my other accounts are 100% in excellent order and my wife's credit file is also 100% excellent.
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Maybe... it defaulted some time in 2009...
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What do you make of the sudden flurry of phone calls? Whats changed Dx?
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Hey dx100uk, Wanted your take on this situation of mine.. . I've not heard anything on this debt for some time, other than the "pay now get 75% off" letters.. ... No searches on my credit file either. Then a week ago I get a account statement and now Lowell is calling me everyday, I answered it once and it was a prerecorded message. Not answered since... I'm also getting phone calls from the another number saying I've won an iPad and they need my name and address to send it to me... I think Lowell are using this other company to Phish details out of me... Why the sudden interest in calling me every day?
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The bottom feeder website says they do hold a licence. They've never searched my file though... I think they can't recover the debt and are now phishing and hoping I'm an idiot...
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Are the companies that hold consumer credit licences on a public database?
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Also they wouldn't be emailing me about a default on my credit file, if they had actually seen my credit file they'd know there is no default there. Do these companies even have access to my credit file DX?
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Am I right in thinking when they start offering discounts like this they know they have no hope of recovering them through the normal legal channels?
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Just a bi annual update on this debt, the current bottom feeding company that is having a go at recovering it hasn't yet sent me any mail by post, just emails. They've sent 7 emails since January 2015.... First email started off all serious and threatening, the 2nd was a special 25% discount if I pay now.. . the 3rd was a 40% discount if I pay right now.! Whoop.! The last one was a strange one, they claim the debt is still on my credit file and may continue to affect my credit rating.... I get my report from all 3 agencies and they're all clean as a whistle. Is this latest company clutching at straws? and why are they sending emails? Allergor
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If they start asking again I'll send them a SB notice. Can anyone link me to this?
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Nothing has been paid towards this debt since Nov 2008, it defaulted Jan 2009. What's the possibility is SB?
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Ok bit confused. The default notice date was 5th Jan 2009, so it's been 6 years. I've read in a few sources that it becomes statute barred then. The debt still exists but they can't use legal system to recover it. They can only ask. This not correct DX?
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Ok just to give an update on this, the Welcome Finance debt was passed from Bryan Carter to Lowell around Feb 2014 and they've just sent me an annual balance statement, but no request for payment. No CCA like I originally asked for. Also, I believe the end of December 2014 or start or Jan 2015 is the default dates 6th anniversary. So I actually think it's now statute barred, I've not paid anything towards it since default date. Is this now unenforceable?
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What shall I do over the brian carter/lowell/welcome debt? Lowell put in a document request with welcome in early Feb, not heard anything yet. Shall I just wait on it?
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