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E.On leaves negative footprint on Credit File - refused mortgage by HSBC


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In 2018 I switched from E.On to Shell Energy. The switch took place on 4th June 2018.

 

I left the direct debit in place for them to take any final amounts due.

 

They produced a bill on 4th July 2018 for £92. The bill is marked by Eon as this will be carried forward to your next statement. There are no payment instructions or payment slip on the bill.  

 

I eventually cancelled the Direct Debit at the end of July assuming that Eon would have taken any balances due by then as they had 8 weeks from transfer by that point.

 

They produced a final bill in October 2018 as there was no direct debit in place I paid the bill in full within 5 days. They have however left an unpaid mark on my credit file in September and October 2018. I complained back in 2018 they dismissed my complaint and said they would produce a Deadlock Letter and go to ombudsman. In 2018 I suddenly lost my mu at the age of 64. My wife and I moved in with my disabled dad to help him for a few months. Due to everything going on I ended up with mental health issues and forgot all about the eon issue.

 

Fast forward to now. I apply for a mortgage and the eon black mark raises its head.  Eon refuse to reopen the complaint. But I can not go to the ombudsman as the case is 4 years old. I have a full SAR from e on which confirms everything I say. They did not take any payments to cover the July statement despite an active DD being in place. There is no record on the SAR of any deadlock letter ever being raised.

 

They claim that the unpaid markers are there because there was an outstanding amount due on the account with no payment plan in place. But there was a DD in place. Also if this account was due for payment from the bill being produced in July and then the final bill being made in October there was no contact from Eon. No reminders no request for payment.

 

I am quite happy to take them to court but the only claim forms I can find relate to money. I am not planning on claiming money I wish to get a court order to make them change the credit file

 

Any help or advice would be very welcome.:)

HSBC Bank Charges - County Court Claim - Settled

HSBC Bank Charges Round 2 - Settled

HSBC Business Bank Charges - Settled

Alliance Leicester Bank Charges - SAR Sent

Alliance Leicester Business Bank Charges - SAR Sent

 

Ambrose Wilson Catalogue - NO CCA - Account Closed Set To Zero

Virgin Money CC - CCA Request Sent

Capital One CC - CPR 31:16 Sent - LBA Sent

Barclaycard CC - CPR 31:16 Sent

HSBC CC - CCA Request Sent

Funding Corporation - SAR Sent

Link Financial - SAR Sent

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missed payment markers cannot be seen by mortgage companies 

 

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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Thanks for that DX.

 

Do you know how I can issue legal proceedings against them without claiming for money ?

HSBC Bank Charges - County Court Claim - Settled

HSBC Bank Charges Round 2 - Settled

HSBC Business Bank Charges - Settled

Alliance Leicester Bank Charges - SAR Sent

Alliance Leicester Business Bank Charges - SAR Sent

 

Ambrose Wilson Catalogue - NO CCA - Account Closed Set To Zero

Virgin Money CC - CCA Request Sent

Capital One CC - CPR 31:16 Sent - LBA Sent

Barclaycard CC - CPR 31:16 Sent

HSBC CC - CCA Request Sent

Funding Corporation - SAR Sent

Link Financial - SAR Sent

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talk to the ICO.

but i'm not really sure what you are wanting to sue over or if you even need or can.

 

they are entitled to mark you file with a late/missed payment.

only YOU and the  (the original creditor) can see these markers.

 

so how come a mortgage company have turned you down?

not using a scamming broker are you and you handed your complete file to him did you? and he is running you for more money to a sub prime lender.?

 

you can sue for damage to your credit worthiness

typically £1000 a pop, BUT i can't see you have a reason too.

 

 

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

The mortgage was with HSBC they turned us down after credit scoring. The only negative thing on file from the past 6 years is this mark from Eon.

 

I do not want to sue for damages in all fairness. They have stated that the reason the marks are there is because even though no final bill had been raised and when it was I paid within 5 days the marks are there because I had cancelled the DD. Even though they had no intention of taking any payments until after the final bill was raised.

 

They have admitted they do not take payments from a DD after an account has switched to a new supplier Until the final bill is raised. They raised the final bill 19 weeks after switching and I paid it within 5 days. But I cancelled the DD 10 weeks before they raised the final bill and it is this peroid that has the poor rating. If that makes sense. The account was fully up to date prior to switching, no payments missed whatsoever.

 

I know its a complex one, whilst I may not have suffered financially I feel that I have been wronged by them leaving these marks on an otherwise unblemished record. Hence why I want them to have to explain themselves in an official capacity.

 

It seems very much a case of the big boys screwing the little man again.

HSBC Bank Charges - County Court Claim - Settled

HSBC Bank Charges Round 2 - Settled

HSBC Business Bank Charges - Settled

Alliance Leicester Bank Charges - SAR Sent

Alliance Leicester Business Bank Charges - SAR Sent

 

Ambrose Wilson Catalogue - NO CCA - Account Closed Set To Zero

Virgin Money CC - CCA Request Sent

Capital One CC - CPR 31:16 Sent - LBA Sent

Barclaycard CC - CPR 31:16 Sent

HSBC CC - CCA Request Sent

Funding Corporation - SAR Sent

Link Financial - SAR Sent

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did you forward a copy of your complete credit file as you see it to anyone?

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... 

Link to post
Share on other sites

Yes. However he has not mentioned anything on the report just said that HSBC had failed on credit score.

 

He did not suggest a sub prime lender or are we continuing looking for a mortgage at present.

HSBC Bank Charges - County Court Claim - Settled

HSBC Bank Charges Round 2 - Settled

HSBC Business Bank Charges - Settled

Alliance Leicester Bank Charges - SAR Sent

Alliance Leicester Business Bank Charges - SAR Sent

 

Ambrose Wilson Catalogue - NO CCA - Account Closed Set To Zero

Virgin Money CC - CCA Request Sent

Capital One CC - CPR 31:16 Sent - LBA Sent

Barclaycard CC - CPR 31:16 Sent

HSBC CC - CCA Request Sent

Funding Corporation - SAR Sent

Link Financial - SAR Sent

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credit files are not the only place prime lenders consult.

i very much doubt a couple of markers made them refuse you.

people are getting prime mortgages even with 2 default notices.

there was one here recently that even got a halifax mortgage i think with a CCJ.

 

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... 

Link to post
Share on other sites

Thank you DX. I will shop around :)

 

HSBC Bank Charges - County Court Claim - Settled

HSBC Bank Charges Round 2 - Settled

HSBC Business Bank Charges - Settled

Alliance Leicester Bank Charges - SAR Sent

Alliance Leicester Business Bank Charges - SAR Sent

 

Ambrose Wilson Catalogue - NO CCA - Account Closed Set To Zero

Virgin Money CC - CCA Request Sent

Capital One CC - CPR 31:16 Sent - LBA Sent

Barclaycard CC - CPR 31:16 Sent

HSBC CC - CCA Request Sent

Funding Corporation - SAR Sent

Link Financial - SAR Sent

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Share on other sites

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