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Will EON putting a "settled" note on clearing my balance damage my credit record


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Good morning,

 

I have outstanding balance with EON for £624 and have done since 2016. I have always disputed this balance as it appeared far too high for 2 months bills where I was not living in the property due to renovations work. The last payment on the account was in September 2015.

 

To cut a long story short, I was due to set up a payment plan with simply past due credit who put the account on hold after I questioned EON sharing 6 late payments on my account in 2016. EON refused to refuse the payment markers and I wrote to the past due credit in February 2018 again asking to set up a payment plan but received nothing back.

 

Last week, out of the blue, I received a letter from EON requesting a the full balance by 31st January or a default would be put on my account or if I did pay monthly by arrangement, "we will share the information about the arrangement with the CRA".

 

My credit files are squeaky clean and near maximum with both agencies apart from the one with Equifax which bizarrely after 2017 showed payments on my account to EON then last month it showed a late/missing payment in December 2018 despite no arrangement being in place.

 

I want to pay the full balance but am worried about how negatively it will impact my credit history as I've heard that "settled" can be viewed very negatively - some also say that a payment arrangement can be almost as negative as a default!

 

Could anybody kindly give me some advice please?

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if theres no default then settled cant hurt you no.

its only if the word defaulted and a date is there .

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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