Late payments from EON and can not get a mortgage

[surreynick]

Hi

I have red trough the forums and hope to find a solution.

In summer 2012 I had a major surgery and was in an out hospital. Being alone I missed some payments to EON.

 

I have tried to ask them as a gesture of good will and was prepared to send them proof of my surgery. They replied politely that the snwer is now they will not remove the 2 late markers from the equifax file.

 

I am however confused as the account was in order prior to June 2012 there were no records from EON on equifax at all. The moment the payment was late they placed the red mark. Also I remember seeing a letter when I was out of hospital in the autumn advising that a default was going to be recorded and by than the debt was settled.

 

So all the months before June 2012 when payments were made were not recorded in green and than they start with a red mark?

 

That does not seem right to me.

 

From my understanding I will have to cancel my contract with them in writing, move to a different supplier and than argue with equifax to remove the late markers?

 

Any advise much appreciated. EON has made it clear they will not remove them and I am now getting declined for mortgages I apply for. Anything else on my file is good.

[BankFodder]

Sorry, but the energy supply won't help you and the credit reference agency won't help you either. Not only that, the ombudsman probably won't help you.

 

They would rather cut the legs off their grannies and eat them than remove entries from your credit file.

 

It is a scandalously unfair because whether you have deliberately tried to get away with a £10,000 debt or you have simply made a mistake or had a heart attack and missed a 1 pound payment, the penalty is exactly the same – six years on the credit reference agency file – six years of your life smashed up – six years of being unable to get mortgage – six years of being refused credit – six years of only getting credit on very much more expensive terms.

 

The whole system should be properly regulated and controlled but unfortunately the credit reference agencies are too powerful and they will never submit to it until we get a few members of Parliament who have to suffer the same thing. Then maybe we will get somewhere.

 

By all means complain to the ombudsman. He is meant to produce a fair result and of course common sense dictates that fairness in this circumstance should be that your credit file should be cleaned up. However, in practice the ombudsman defers to businesses and in particular defers to the credit reference agencies and the tendency is that the fair result means that it is fair to the business and only fair to the consumer if that fits in.

[surreynick]

Hi Thanks for the answer I thought that is the case. I ll switch utility suppliers. Am I right in saying that late payments dont stay on the record for 6 years?

[surreynick]

Hi,

 

Can I take a company to court for not keeping accurate data on the account on equifax?

 

Also the information on the account is misleading. The start date of the account is wrong.

 

I was late 6 payments a few years back.

They marked the first late payment as 4 in red which means I was 4 payments late.

Than I had a green up to date followed by a red 6.

 

Surely if I had a green after the 4 it meant I paid?

 

And I believe I did and than the next month they add another record as red with more missed payments?

 

Even worst after that

even though I settled the account they marked the rest in grey with a cross U.

 

From what I can tell this company is obliged to keep up to date accurate data.

 

Can I argue that they dont keep it accurate and some information is missleading and is causing me problems.

 

This is the only late payment on my account now and I cant get a mortgage because of it.

 

I sent the company letters of good will and they were quite rude back.

 

Thanks for any advice

 

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[dx100uk]

ha the debt a defaulted date in its summary details?

 

and who is this please

 

dx

[surreynick]

Hi DX there is no default. I was really sick and no family so made an arrangement with them to pay it an cleared it up when I got better. Is EON

 

But they are ruining my report because now I m in credit with them but they are not updating that

 

Thank you

[dx100uk]

threads merged

[dx100uk]

I have alerted the EON rep

 

I feel there might be room for a GOGW here in the removal

 

its a bit unfair

that a couple of silly marks

prevents a family progressing .

 

dx

[surreynick]

Hi thanks again DX I ll search forums for GOG. Not only that but I wa stuck to a hospital bed almost the whole year. Was really not able to sort it out and they were told

[dx100uk]

gesture of good will.

 

hopefully marc will pop in soon. from E.ON

[surreynick]

no hope with eon DX I sent them GOGW and the reply was short and is a No. I am just extremly annoyed that now being in credit is not reported so they only report late payments and than dont update the report for months. How is that fair?

[E.ON Company Rep: Malc]

Hi surreynick

 

I hope you've recovered from the surgery and do understand how frustrating it can be not being able to take care of everyday tasks whilst out of action.

 

Thought it might help if I give you a bit of information about how we deal with Credit Reference Agencies.

 

When we share information, we give a true reflection of the status of an account at the time of the share. At this time, if there's a debit balance on an account and no formal payment arrangement, we'll share this.

 

We started sharing information with Equifax during the second half of 2012. The period prior to June 12 you mention will have been before we began sharing. This will be why Equifax won't have records for this period.

 

Green months are where there's a payment arrangement in place and payments are received on time. Red months indicate an outstanding balance with no or a failed payment arrangement.

 

The 6 shows the balance is at least 6 months old at the time of the share. The number refers to the age of the debt and not to the number of missed payments. The maximum number of months we'll share is 6. Where the debt is older and after a series of 6s have been shared, we'll then share a 'D' or default notice.

 

'U' doesn't really mean anything. It's just that there's been no bill released, so nothing to report on.

 

Once settled in full, we'll share an 'S.'

 

To speculate from the detail provided, it looks as though you set up a payment arrangement after the red 4 but missed or was late with a payment and this led to the red 6. Sorry if I'm wrong here. As I say, I'm speculating.

 

If the information shared was right at the time, this won't be changed as it'll have been a true reflection of the account at the time of the share.

 

I know this isn't what you want to hear surreynick but would rather be clear than give you false hope.

 

Malc

[rebel11]

http://ico.org.uk/for_organisations/sector_guides/finance

 

This is actually a supplement to a previous document released by the ICO.

 

http://www.scoronline.co.uk/files/scor/high_level_prinicples_document_final.pdf

[surreynick]

Hi Eon,

 

Thank you for the info I think I might need to see citizens advice or a solicitor about it to be honest because the way you report is utterly inaccurate and not up to date! In such causing me problems.

Is not even the 6 mark or the 4 which is now more than 2 years old is the fact that an S has not been recorded even though I settled the bill in full as soon as I was back home and also there is no payment arrangement in place. Everything is on direct debit and I m paying in advance now.

 

So true reality is EON if you want to report do it by all means but dont report just the bad! Well there s no choice but to give up the ideea or buying a place for the moment.

Edited August 12, 2014 by surreynick
added a few sent

[surreynick]

Right this is now getting serious. Because of this inaccurate data keeping I ve been turned down by a mortgage broker.

 

Guys I seen a lot of posts RE Section 10/12 of Data Protection. I never signed an agreement with Eon or they have not informed me in writting about registering this late payments?

 

Also as I said the data is truly inaccurate. The date of the start of contract is wrong, now is showing I m on an arrangement to pay but I m not and no settled S were placed when I paid in full. Anyone knows a solicitor or someone who can help me remove Eon from my credit file? I am now looking to move suppliers and send them the letter forbiding them to share any more information.

 

Thanks for any help or links to letters I can send