questions on 6 months arrears flags

[excelman]

hi

 

 

always paid my bills had a good rating, however in dispute with energy company over massive bill I cannot afford in time for their liking, still paying them so they've slapped on a 6 months arrears which I'm trying to negotiate they remove based on incorrect details they held

 

 

if it sticks -

 

 

1. how bad is a 6 month next to a default, particularly in terms of remortgaging to get a fairly low fixed percentage in a year's time - will accept 4% or under as ok offer if fixed for 3+ years

 

 

2. if I continue to pay at the rate I can afford in real money - £30/month vs 2k debt, this energy company (eon) will continue to drag my name through the mud - at what stage do I expect a default notice ?

 

 

3. if I take the hit on a credit card for a payment in 1 , is it worth the 20% APR and misery over 1-2 years repaying it , or am I better off paying it in "Managed " instalments, with the company - getting AP flags every month until I settle in full?

 

 

advice appreciated, I do check my credit file but I find their flags are a lore unto themselves, they're also like voodoo, they only work because everyone takes them seriously

[renegadeimp]

If theyve put a late payment marker on it, and you are paying, they should consider putting an arrangement to pay marker on it.

[excelman]

thanks, but I'm not paying enough - I'm paying £30 a month which although isn't pennies is at least demonstrative of my will to settle this - I want rid of the marker because they didn't tell me

[renegadeimp]

Are you in a repayment plan with them?

[excelman]

no I'm not, I would be if they took my £30 a month but they say it isn't enough - so they are the ones who have told me despite my sending a statement of means, that I am not paying them quickly enough so I am "defaulting" despite paying them regularly, on the 1st of each month and that they will mark my file and drag me through the mud until I can magic up a figure they know I cannot afford, and even then, they probably won't remove the 6 month flag as it was "right at the time "despite them not warning me they were going to do that, "at the time" - plain bullying from start to finish really.