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  1. Hello, First off - many thanks in anticipation for any advice that anyone will take the time to give me. It will be much appreciated. Sorry if I sound a bit wound up but none of this is my doing - my energy provider messed up my gas bills and I've had my credit rating destroyed as a result. I've been with my Gas and Electricity energy provider since February 2015 and they have been a nightmare. Electricity bills are paid up to date. Gas account as far as I'm concerned is up to date. The provider disagrees - they say I owe £290 - including a late payment penalty fee of £10 I have sent them all the documentation and proof via Royal Mail Track and Trace which they received - but they refuse to reply. I sent the matter to the Energy Ombudsman but they sent me an email saying that they didn't have my file. The matter started in November 2016 when we noticed that our gas supplier was billing us for an extra meter that had nothing to do with us. After much correspondence, they acknowledged their mistake and offered us a £45 goodwill payment. But we said that the amended gas bills were still wrong because they didn't reflect the amounts totalling £240 paid on the account ( we have proof of these payments). We continued to argue back and forth with our energy provider until the matter became deadlocked and we referred it to Ombudsman who heaven knows did what with our file. We awaited a reply from the ombudsman. In the meantime, the energy provider filed six late payment markers against me with Equifax. The energy provider won't examine the proof of payments that we sent them or remove the late payment markers. They have also charged me a late payment penalty fee of £10 have sent me threatening letter that they will charge me hundreds of pounds extra for debt collection and change my meter to a prepayment one. I sent them a Letter Before Court Action three weeks ago via Royal Mail Track and Trace but they've ignored it. The ombudsman doesn't fill me with confidence. I want to take this matter to Court and this is what I would like to achieve: I want the £240 lost payments on account to be reinstated on my account. I want the six late payment markers removed from my credit file. I want a written apology for the stress and hassle that this matter has caused me. I want fair compensation for the stress, hassle that this has caused and the damage to my credit record that I have suffered as a result of the late payment markers. What's possible and how can I go about it - how much will it cost?
  2. Hi - First post asking for advice. Not sure if this should be in the telecoms section or the credit agencies section. A couple of weeks ago, i got knocked back from a mortgage application at the final underwriting stage, and the reason given was "late payments" Surprised by this i obtained the other two credit reports as i already had noddle and that didnt show anything. The company is T-Mobile. The other two show a U U U 4 for Aug-November this year (and green OKs previous) and no doubt noddle will when it gets updated this month. Now after chasing this up with their call centre, i had a outstanding balance of just over a tenner, which i paid instantly. I was surprised by this as the sim card had a zero monthly line rental cost - and actually has never been used. Ive since found a number of things: They have been charging me 6 pence a month for several months which added up to a balance of 36p outstanding up until the November bill, then the November bill was for £10.57 (due to the 12month offer of the discount ending) Given the small sums of money involved i find the late payment mark/marks rather unreasonable considering its decimated my credit rating and i stand to lose quite a bit of money on surveys/solicitors fees if im unable to get a mortgage and have to pull out of the sale. When the contract was originally taken out (i have checked the emails) there is mention of setting up a direct debit and my bank details look correct now i dont know if the DD ever got set up or if it got deleted accidently when i was having my yearly financial "spring clean". - shouldn't they have notified me by post/email if a payment had failed to be taken? - or is the amount below a set threshold where they dont bother? Do i have a chance on getting them to remove the CRA markers?. I am glad i "caught" it at this stage without it getting to a default, but its still going to prove very problematic Thanks in advance
  3. Hi All, First of all, I hope I am posting in the right forum/subject if not please let me know. I am in the process of reviewing my credit report as it is beginning to look like in the near future my girlfriend and I will be looking to apply for a mortgage and I have a few things on my credit report I'd like to clear up. On my credit report (with both experian and equifax) it shows my HSBC current account (recently closed) as having 2 late payment markers showing one 2 seperate occassions. After some digging I found out that these were actually not a 'late payment' but actually on one occassion where a direct debit had been returned unpaid and another where a cheque had been returned unpaid - blatantly down to a lack of attention as I use one account for bills and another for day to day spending. Now I have written to HSBC regarding this however they have came back and said that they are well within their rights to do so (experian have confirmed this) but I really do feel like this is a mis-respresentation of my financial status - it's not like my accounts even went overdrawn, they wern't given the chance to do so! It might also be worth mentioning I found one of these late payment markers before back in 2009, wrote to the bank and as a gesture of goodwill had it removed, however they now state they have done this once and can not be done again. I feel really frustrated as no other high street bank currently uses this practice and therefore it is unfair treatment by banking with them. Do I have any rights with regards to this? At first I thought I might have found my solution on here but I have just realised defaults are different from late payment markers. I would really appreciate any help from anyone who has dealt with the same situation or knows someone who has. Many Thanks in advance Andy
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