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NPower suddenly appears on my file

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Comments

  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    May stop those who cant be bothered to pay culture
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    chanz4 wrote: »
    May stop those who cant be bothered to pay culture

    All of us pay the cost of bad debt in our bills. Those that grumble the most normally are often the offenders. As paying bills on time is a separate issue to customer service levels. As far as customer services goes I vote with either my feet or my wallet.
  • Homeagain
    Homeagain Posts: 553 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    N Power, administratively, possibly the worst company to deal with in the UK. OP, I would take this up with the ombudsman - I know that I will be doing just that!
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Homeagain wrote: »
    N Power, administratively, possibly the worst company to deal with in the UK. OP, I would take this up with the ombudsman - I know that I will be doing just that!

    Take what up?
  • weebit
    weebit Posts: 411 Forumite
    I've just checked my online Experian credit report and noticed that as of 9th March, Npower have starting reporting to my file. I don't know if they have been doing this previously, but I've been with Npower since summer 2013 and it's only just appeared on my file this month.

    Just an FYI
    Aiming to pay off £50,312.94 in less than 3 years - Starting from December 2015
    Current debt total: £32,756.02 (as of 1st March 2018)
    Date Free Date Aim: Summer 2019 (8 extra months needed :( )
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Already a thread on this on the Credit File, so merged.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    You should read the t&c's all suppliers have it in there but have never enforced. Believe it or not the fos will have no control.

    If people pay their bills on time, they wont have issues
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    chanz4 wrote: »
    If people pay their bills on time, they wont have issues

    No, no, no! Please read about Npower, one of the worst companies in Britain from numerous angles. I'll say it again: THEY ARE INCOMPETENT. I would say the chances of them placing erroneous and damaging data on your credit file is - moderate? But, you won't know about it until you come to apply for a mortgage or something and get declined.

    It's common sense; the more data that's placed on a credit file, the greater the possibility of something wrong and damaging being put on there. Not long ago credit files contained data from lenders - people who lend you hard cash. Now, at the instigation of the CRAs they contain much more, from a whole range of other organisations such as service providers. You only need to look through this board to see the problems people have with erroneous data being reported about them. This is only going to increase, as the CRAs with their voracious appetite for personal financial data run riot.

    So, when you come to apply for an important financial service and find yourself declined for no good reason, and when you check the file you find there's something on there from a utility provider such as NPower that's causing the problem, don't complain.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Been with them before and not had an issue, but as you know good feedback is never seen.
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • rizla_king
    rizla_king Posts: 2,895 Forumite
    GingerBob wrote: »
    No, no, no! Please read about Npower, one of the worst companies in Britain from numerous angles. I'll say it again: THEY ARE INCOMPETENT.

    Yes. They are completely useless and incompetent.
    Still rolling rolling rolling...... :) <
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