Eon Assumed Contract

chanz4

Suppliers can access a system called corporate 192 / gb group which can sometimes display the d.o.b . Suppliers could object to the trasnfer if no live account also.

jalexa

chanz4 wrote: »

Suppliers can access a system called corporate 192 / gb group which can sometimes display the d.o.b . Suppliers could object to the trasnfer if no live account also.

I don't understand either point but would welcome your clarification of your second point.

Your first point is irrelevant to a credit check. That requires the data subject to provide a name, current address(s) (and previous address to three years residency history) and date of birth. Legally it also requires the data subject to consent the search, something the OP reports reluctance about.

As yet the simple question I asked of E.ON has not been answered.

Former_E.ON_Company_Representative:_Malc

jalexa wrote: »

Hi Malc and commiserations that you find yourself working (like power station workers) when others are on a holiday shopping jolly.

There is a narrow issue here which I'm curious about the answer. If a new "consumer" activates a "deemed supply" by moving into a property where E.ON is the current supplier, passes readings and billing details (but declines to provide date of birth), what action does E.ON take and on what timeframe?

For the benefit for others there is a MSE article from 2011 which tabulates the then supplier approach to the "credit check" issue.

http://www.moneysavingexpert.com/utilities/switch-prepaid-gas-electricity#tableone

Hi Jalexa

Yes, I'm afraid I'm in the office today but at least the weather isn't like it was last week.

We always ask for Date of Birth now not only for credit checking reasons but also to meet our beefed up security checks to make sure we're talking to the right person.

Customers are quite entitled to refuse to give this info but the advisor will not be able to discuss anything of a sensitive nature on the account.

In the case of deemed contracts, we have an obligation to continue to supply the property but may think about fitting a prepayment meter, particularly if the new occupier fails to pay the initial bills within a reasonable time.

No particular time frame as each case is considered on its individual merits.

As I say, without a Date of Birth, our advisors won't be able to talk to customers about things like better tariffs, metering issues, prices, payment arrangements etc. I'm afraid, they'll be left on the standard tariff.

Hope this answers your question Jalexa. Give me a shout if you need any more info as always happy to help.

Malc

billybear1

So, in conclusion, I can just set up a standard tariff, no credit check and find the tariff I want on a comparison site and join up to that one?

jalexa

billybear1 wrote: »

So, in conclusion, I can just set up a standard tariff, no credit check and find the tariff I want on a comparison site and join up to that one?

You need to check that the switching webform on the comparison site doesn't have date of birth as a mandatory field (or a credit check will quite likely result).

Not sure today but a year ago E.ON was in a very small minority on that question on comparison websites.

Regarding "proving ID" on a phone call, I can hardly think of a less secure check. Commonly known to other family members (ex too:(), anybody within earshot in an office (because incompetent organisations insist on asking a numpty question) and anybody who checks public records.

In contrast, Edf's first check is supply address automatic look-up against the telephone number used to make the call, plus energy account number, probably the least known therefore most secure piece of data.

chanz4

jalexa wrote: »

I don't understand either point but would welcome your clarification of your second point.

Your first point is irrelevant to a credit check. That requires the data subject to provide a name, current address(s) (and previous address to three years residency history) and date of birth. Legally it also requires the data subject to consent the search, something the OP reports reluctance about.

As yet the simple question I asked of E.ON has not been answered.

You can search an address and it will tell you everyone that lives there, also due to shared data 70% of the time has dob's. This is public data, and you know the little boxes on forms that say shared with carefully selected companys....well its anyone who will buy it hence the reason companys can obtain ex directory numbers

Terrylw1

Chanz & Malc,

How do you "force" a customer to leave because you don't want them?

Which SLC is that held in since it will won't be covered under the MRA or BSC?

I take it you tell them you will fit a PPM to "encourage" them to leave? If they won't consent, how do you obtain a warrant for this if its not held in the SLC's?

I've not seen this so I'm interested...especially since the supplier can easily establish the credit rating over time internally and still fit the PPM under a SLC supported process and simply add the debt.

Terrylw1

chanz4 wrote: »

Suppliers could object to the trasnfer if no live account also.

Yes, they do like to try that one on...however, its not contained with SLC14 hence its not compliant and the supplier is wrong to do it.

lemontart

bottom line is you got a mortgage which is a rare achievement in these days, eon want to do a credit check which given you have achieved a mortgage should not be a problem unless there is something you are omitting to tell us.

It will not be an issue for another supplier as it is common for people to change when they move in.

The only problem is if you keep getting turned down for credit and end up with loads on the the record as that would raise an element of doubt to any potential credit arrangements.

Given what you have told us I really do not see an issue that should concern you as you set out on the long road of home ownership.

DVardysShadow

lemontart wrote: »

bottom line is you got a mortgage which is a rare achievement in these days, eon want to do a credit check which given you have achieved a mortgage should not be a problem unless there is something you are omitting to tell us.

IMO, you are missing the point of billybear's concern. He is not concerned that he will fail his credit check. He is concerned that the credit checks which utilities providers may make will leave footprints on his credit file which may cause him to lose his hard won mortgage. And given the 'computer says no' world in which we live, where no one who deals with an ordinary person has nay scope to use initiative of common sense, he is right to be concerned. Mortgages even get whipped away from people between exchange and completion.

billybear, just move in and accept the deemed contract. Once you are in start your search for another supplier. Once you are in, your mortgage will be safe.