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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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E.ON..Status, outstanding balance and current balance of data shares


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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?

Edited by Lelah
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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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?

Edited by Lelah
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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.

Edited by Lelah
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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.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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right E.ON

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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

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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

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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.

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which CRA are you using?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

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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

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  • 2 weeks later...

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?

Edited by dx100uk
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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?

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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

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