Hi everyone

I have an Energy Company giving data shares to a Credit Agency but the shares are not showing the outstanding amount or reduction in what's been paid every month. I was under the impression that to avoid breaching GDPR certain parts of the data share should include this to show a true reflection of the account and so other potential lenders could see where the account was up to etc. Some months inbetween others they wouldn't give any information!

When I queried this with the Energy Company they then started showing the shares as an 'i' which I believe stands for Arranged Payment.

Ok, so does that mean they can just show a status of AP every month still with no current balance and outstanding balance?

How are other lenders meant to see when this will end?

They also shared information via the Credit Agency during the dispute I raised that said I was responsible for the supply at the address with incorrect dates. As that's been sent to the Credit Agency in response to my dispute, would that breach GDPR?

IMHO no.

whats in the calendar section cannot be seen by anyone bar you and the company

its what is in the summary line lenders see.

so is this debt defaulted or what does it day the status is?

AP marker is a killer as it never goes away.

ideally the provider should have defaulted the debt after your third missed/short payment.

but since 2014 theres been not even a guideline that states this.

who's the provider

moved to the Utils forum.

dx

Thank you dx100uk I wasn't sure which section of the forums to put this in.

I think the problem for me is not having known whats seen by lenders.

I assumed it was more than just the name of the company, type of lending and the status.

The Energy Company won't update my new address on their data shares so the account they opened with the credit agency is showing from my old address!

Can the address be seen by others?

In short, what can the lender see?

What's the summary line?

I'm a complete novice to what's shown on Credit Files I've had a pristine Credit File for the last 30 years.

They changed the data shares to AP on purpose as I complained that I'd been told the errors they made wouldn't affect my credit and they suddenly wanted me to change my payment plan which I refused as I hadn't done anything wrong or defaulted on the one I was on.

I was only on it because when I left their supply I had a case with the Ombudsman about other errors which was still ongoing and which I won.

After that the Energy Company tried to charge me for the new owners electricity and all that took time to get the final bill sorted and correct.

By the time they'd managed to revise the final bill it was over 6 months so they delayed their own payments.

It was more than I could pay in one go as I was a quarterly payer.

I've now found they owe me money, its with the Ombudsman for a second time....grrrrr!

Had they charged me properly in the first place I wouldn't have needed to pay in instalments, they could have had it in one go so alas, now they've wrecked my Credit File.

What do you mean about the AP never goes away?

I forgot to say, the Energy Company is E.ON and I've never defaulted on any payments to them.

They offered me £100 for making a mess of my credit file but they refused to remove the AP, they said they were entitled to show it that way.

All this happened because they made an error and sent me a default letter when I'd never defaulted.

They clearly then didn't want to admit that original error but had to.

They'd never shared with the Credit Agency ever, until that letter sent in error.

aha you've a running complaint with the ombudsman

is this the FOS or the Energy one?

if the markers are not a true reflection of how YOU operated that account, then that needs to be part of your complaint.

if they now say well you didn't owe the money at that time the markers should go.

as for the address that's not correct either they must update your file with the correct address regardless to when you took it out.

the summary line is the stuff that's NOT in the silly calendar section, [that to all intent and purpose cannot be seen by anyone bar you and them.]

its the statute of the account is the important stuff that lenders can see ie take out date whats now owing etc

if these are wrong then a complaint needs to be made.

right E.ON

we have a rep here i'll give them a shout.

It's ok dx100uk I appreciate your help. I have a screenshot with no personal details I can show but I have to have a few more posts to be able to use the image insert

don't need 10 posts read upload..pdf!

Hello Lelah and welcome to CAG.

It sounds like you're having a bit of nightmare with us and I'm sorry it's taking so long to sort out. As this is now with the Energy Ombudsman there's little I can say at this point. We need to wait for the Ombudsman's decision and do what they say within 28 days of their ruling. This decision is binding on us but not on you leaving you free to seek further advice and assistance if necessary.

Generally, when we share with a Credit Reference Agency we give them a true reflection of the status of an account at the time of the share. You're right, when we share an 'I' this shows there's an Arrangement to Pay set up at the time of the share. We continue to share this for the duration of an agreement. Other things shared include the customer name and home address, the date the E.ON account started, current balance, any default notices and debt that might apply and, where relevant, the date the account closed. This information is available for other lenders to see.

We've a specialist team who look after everything to do with the way we share information with Credit Reference Agencies. They'll be helping to resolve your complaint.

Sorry again for all the hassle you're going through with us Lelah and that I'm unable to help personally.

Malc

right E.ON

we have a rep here i'll give them a shout.

Thanks for heads up dx. Regrettably, as this is with the Energy Ombudsman, other than giving some general information there's little I can comment on.

Thanks again and sorry I can't do more.

Malc

that's ok glad you can show insight..

it makes it available and your presence ..on the site shows ...later people will read and hopefully will get things moving using you people before it gets too far if they have issues

dx

That's very true dx. Glad I can help in some small measure.

Malc

don't need 10 posts read upload..pdf!

Aahhhh, thank you for that

Hello Lelah and welcome to CAG.

 

 

It sounds like you're having a bit of nightmare with us and I'm sorry it's taking so long to sort out. As this is now with the Energy Ombudsman there's little I can say at this point. We need to wait for the Ombudsman's decision and do what they say within 28 days of their ruling. This decision is binding on us but not on you leaving you free to seek further advice and assistance if necessary. Also what if the start date is wrong?

 

 

Generally, when we share with a Credit Reference Agency we give them a true reflection of the status of an account at the time of the share.

You're right, when we share an 'I' this shows there's an Arrangement to Pay set up at the time of the share.

We continue to share this for the duration of an agreement.

 

Other things shared include the customer name and home address, the date the E.ON account started, current balance, any default notices and debt that might apply and, where relevant, the date the account closed. This information is available for other lenders to see.

 

We've a specialist team who look after everything to do with the way we share information with Credit Reference Agencies. They'll be helping to resolve your complaint.

 

Sorry again for all the hassle you're going through with us Lelah and that I'm unable to help personally.

 

Malc

Thank you Malc.

Can I ask if the AP goes away when it's all paid off and settled?

Can I also ask if E.ON are only showing data shares with the i status (arranged payment) and a start date only, is that normal?

There is always a zero current balance and a zero outstanding balance.

I have to go on at E.ON to put the correct current balance in.

They've done it twice in the whole 10 months. That can't be right!

I've also asked for them up date to my new address since May and it still shows on my credit file under the old address.

which CRA are you using?

which CRA are you using?

Equifax

Thank you Malc.

Can I ask if the AP goes away when it's all paid off and settled?

Can I also ask if E.ON are only showing data shares with the i status (arranged payment) and a start date only, is that normal?

There is always a zero current balance and a zero outstanding balance.

 

I have to go on at E.ON to put the correct current balance in.

They've done it twice in the whole 10 months. That can't be right!

 

I've also asked for them up date to my new address since May and it still shows on my credit file under the old address.

Hello Lelah and thank you for coming back to me.

With the AP, we'll share an 'I' for the duration of the agreement. We'll continue to share this until the balance is zero.

For live accounts, the information about payment history is kept by Equifax for up to 10 years. For closed accounts, Equifax keep these records for 6 years.

There's more information on how we use personal data on our website at the following link.

www.eonenergy.com/fairprocessing

As I mentioned the other day, the current balance and home address are the subject of regular shares. To be honest, I don't know why this isn't happening for you. I suspect this forms part of the complaint you've raised and is being looked into as part of the resolution that's been referred to the Energy Ombudsman. If I'm right, we need to wait for the Ombudsman's ruling before advising further.

Sorry I'm limited in what I can say Lelah.

Malc

Thanks for the information Malc. May I send you a private message?

Thanks for the information Malc. May I send you a private message?

By all means Lelah.

Please be aware, as above, now the Energy Ombudsman's involved I'm unable to comment on anything related to your complaint. I'll be happy to give general information if that's of any help.

Malc

The Ombudsman's decision is that E.ON should just issue an apology for Customer Service short falls.

Can the person who ignored your complaints and deliberately made errors (this was the Review Resolution Reviewer) be allowed to email you out of the blue to show you they now worked for the E.ON Ombudsman Liaison Team and be allowed to liaise on your case with the Ombudsman?

Isn't this a conflict of interest?

Please could a moderator delete this post

By all means Lelah.

 

 

 

Please be aware, as above, now the Energy Ombudsman's involved I'm unable to comment on anything related to your complaint. I'll be happy to give general information if that's of any help.

 

 

Malc

Thank you, I found what I needed so didn't need to after all. I'd be grateful if you could talk me through the 'I' that E.ON shares though. Is the 'I' a recognised status by Equifax as being an Arranged Payment status or is the 'I' just what E.ON calls the share when there's a payment plan in place?

Thank you, I found what I needed so didn't need to after all. I'd be grateful if you could talk me through the 'I' that E.ON shares though. Is the 'I' a recognised status by Equifax as being an Arranged Payment status or is the 'I' just what E.ON calls the share when there's a payment plan in place?

Morning Lelah and glad you found what you needed.

The 'I' we share with Equifax is recognised by both of us as indicating there's an Arrangement to Pay set up at the time of the share. We continue to share this for the duration of an agreement.

Hope this explains.

Malc