Hopefully this works cheers cred file pdf.pdf

Hi is this ok? Shows npower on experian and mortgage on Noddle and Experian cheers

Hi, i have a noddle score of 623 so almost excellent. Equifax is 358 so similar. Neither of these have Npower listed. Experian shows as fair.. Mortgage shows as upto date. When i fell into arrears on my mortgage some 4 year ago, I had to goto court and we aggreed on an AP. I paid an additional £350p/m until back upto date. Last late payment on mortgage was 30 month ago. Many thanks for your help.

Hi Dx, its car finance with RBS i was applying for. They said they could see AP on my mortgage acc, says 0 for last 30 month though? Not surr why Npower havent updated. They changed the status to 0 for last 2 month but put random amounts on the amount bit. I have my own Npower complaints manager now. Lucky me eh.... She hasnt responded for 2 month. Experian asked for an update on 13th dec.. She left a note on my Npower file saying too busy to look at it... so a week on, im on the phone kicking off. Could I take this to court? What can RBS actually see on my file with regards to old markers? Im confused. Many Thanks

Thought I had sorted this, but clearly not. Refused credit by my bank. Checked my file, Npower again. Paid both accounts off back in October with a view of disputing total amount and claiming back but got side tracked. Npower is showing as 0 for last 2 months but balance as over 1200 on one and 580 on the other. Statements actually show im in credit by 380 in total. With regards to markers. What do lenders see if they dont see the calender? Wpuld they just see 6's? How long does it take for that to change? They also said they could see an AP on my mortgage but that was from 3 year ago no missed since. Cheers

Hi thanks for the replies sorry yes I have asked previously, ive kinda got side tracked with work at times or unable to find the thread. Yes I ran a business from home energy bills were in a ltd company name. That company failed and the bills somehow transfered to me!. I have spoken with Npower and they have admitted having information on the old company. Strange as previously they denied having info back to x year. I lodged a complaint and the complaints team found the info. I have sent numerous SAR requests via Email using the template on here along with photo ID requesting all info for myself and the company. I have followed the request up and was told they wont provide it as I must use there forms.. Is this true?? I have just checked both accounts, there are no defaults and both say Active. Last history on the calender is U for gas and 6 for Elec. I have paid these in full this week. Does this mean that next month, it should show as 0 on both and lenders would just see that its upto date? All my other credit accounts show as 0's but my score is a mere 320 Thanks for your help. Appreciated

Hi sorry for the late reply. I didnt get a notification. Its both, how do i add a screen shot to the thread? Some say 6 but previous have been 0's 2's 1's etc. I was also disputing the amounts as I had a feelimg the amounts were maybe from a previous owner but i got nowhere. Ive now paid both accounts im full just to be done with. Is there a way to apply to the courts to have the info removed at all? Cheers

I havent defaulted though. I agreed to pay X amount throught the meters each week. That was the agreement we made. No default made. At one point the file was showing 0 then 1's for some reason. Im not sure whats going on but ive paid it off and asked them to send a SAR. The file changed when.I had replacement meters fitted (forgot to memtion) they actually added the original balance back to my account. This has now been sorted but the payment hasnt and they insist its correct. Even though it was correct before they made the mistake. Can i have it removed via a N244 application? There is no default or CCJ so frustrating. When i spoke to the ref agency the lady said both accounts are showing as delinquent?

Hi can anyone shed some light on my options please? 2 years ago I had issues with both my gas and electric. I managed to rack up some debt (well they said I had). £2500 for gas and £1900 elec. I decided to have pre pay meters fitted and setup a plan with them to pay off the debt. Now back in Jan, I noticed that they had registered poor credit on my file for both accounts for the full 12 months, all 6's but no payments ever missed. I rang them to dispute the marks and also the balances as I now believed that some of the original debt wasnt mine. They were insistant that all was correct. They say that they are down as late payments, as meter payments dont count as a credit agreement payment? How is this, whem the agreement I made with them was to pay X amount per week on my meter off the bills. I filled a complaint and also emailed a SAR letter alomg with ID. They then sent me forms to fill in for the SAR 30 days later. I rang them and said I have already emailed them a SAR and ID. Again adamant that they wont accept the SAR. No ive got no where with them and decided to bite the bullet 3 week ago and pay both accounts in full (even though im disputing) as its affecting my file. The rest of my file is perfect as i dont really use cards etc. Question is, can I apply to the courts to have the incorrect file history removed? I dont feel they will provide me with SAR and. I have paid it off anyway. Many Thanks

Thanks all. I have emailed them requesting a Sar, also sent them a copy of my drivers licence. I have sent it twice for good measure. I have checked my gas meter today and it says i owe 2.5k which is wrong. There is also a date on tge new meter of july 2016 which coinsides with the change in my credit file. Really need it sorting asap as its stopping me remortgaging

Hi can anyone help? 7years ago i managed to rack up a large bill with npower that i couldnt pay in full for both gas and elec. I made a arrangement to pay off £5month plus pre pay meters. I have paid every month. 24 month ago i had the gas down to 933 as per my credit file. I checked my file in feb and it had jumped up to around 1300. rang and complained heard nothing and forgot. I have checked friday and they now have it at 2400ish. Rang them and they say i owe 1300 but my cred file is also right? I have argued its wrong but got nowhere. I asked for a email so could send a sar for info back to 2004 when i opened the accounts. They have said they need to send me the sar request which will take 14 days.. Thing is, is this correct? Can i not just send them a sar? Does anyone have details of where to send and who i make the £10 out too pls? Many thanks

Ltd mate. It hasnt defaulted

HI I have both my Gas and Elec accounts with N Power. I have been with NPower for almost 10-11 years. Quite some time ago I fell into arrears with both accounts so went onto pre-pay and started to pay for usage and payback on the meters. I have recently checked my file, there is 2 things that dont add up. no.1 the start date on both files are wrong. The 1st 3 years the accounts were held in my company name as the house was being used for business. It seems that they have moved the accounts over onto my personal name after the company went bust. I have questioned them on this but they say that the files dont go back that far. no.2 the debt upto 6 month ago had come down from 1600 to 780ish on one account. There is then a U for 2 months and then it more than doubles to 1800ish, this coinsides iirc with when we had a new meter fitted. I have told them that it is wrong, but they have said its correct and closed the case. It is impossible for the debt to go up like that on a pre-payment meter. What can I do on both issues please? Its affecting my credit rating. Many Thanks:-x

Section 216 of the Insolvency Act, 1986 Hi im not sure if this is the correct forum or not but wondering if anyone can help me please? I have had to liquidate my company which has cost me a small fortune. I want to trade in a similar name, which I know can be done by sending a letter/notification to each of my creditors and also placing the same in the London Gazzette. I have spoken to a solicitor who has quoted me £700plus vat to send the notices. Is this something I can do myself? Does anyone have a letter i could copy and send or is it bespoke? Also how do I go about placing a notice in the Gazzette? Many thanks for your time.

Thanks sean