honest advice appreciated

KatieDee

Could you perhaps speak to Eon and suggest a lower settlement amount, then pay that on your credit card as you've suggested previously? There's always a chance they will say no, but they might agree to it, saving more late payment markers.

In regards to your issue with Eon themselves, I can only repeat what others are saying, it seems as though Eon aren't doing anything illegal...just lacking in sympathy. Unfortunately, this isn't surprising as they're not going to make money out of being sympathetic.

I also understand your frustration due to lack of contact, as you weren't given a chance to sort the issue. Perhaps if they'd contacted you earlier, you may have been able to sort the issue with your housemate. Did you provide them with a forwarding address when you left your previous flat share?

£2000 sounds like a lot of money to owe through electricity alone! How long did you live there for?

andydiysaver

KatieDee wrote: »

Could you perhaps speak to Eon and suggest a lower settlement amount, then pay that on your credit card as you've suggested previously? There's always a chance they will say no, but they might agree to it, saving more late payment markers.

In regards to your issue with Eon themselves, I can only repeat what others are saying, it seems as though Eon aren't doing anything illegal...just lacking in sympathy. Unfortunately, this isn't surprising as they're not going to make money out of being sympathetic.

I also understand your frustration due to lack of contact, as you weren't given a chance to sort the issue. Perhaps if they'd contacted you earlier, you may have been able to sort the issue with your housemate. Did you provide them with a forwarding address when you left your previous flat share?

£2000 sounds like a lot of money to owe through electricity alone! How long did you live there for?

was there 5-6 years, but housemate there longer, I think there was a job on the meter but unfortunately what I think is neither here nor there anymore cause the ombudsman ruled it was all my responsibility.


so I've gone with that, I've kept paying them, I'll one day settle it in full regardless of the outcomes of this current dispute, as I'm an honest up front sort of bloke - what I'd like - more for the sake of my dependents than for me, is for them to acknowledge their part in not warning me (esp as they now claim to have warned me and given an incorrect address) and lets just have an easy life - they remove my mark, I put the lot on a credit cards, suffer for a bit until I get it paid down


or they can do it the hard way and I'll do the payment plan. they'll get paid one way or another but 2k is enormous and I'd really struggle to just make that appear out of nowhere!

KatieDee

andydiysaver wrote: »

was there 5-6 years, but housemate there longer, I think there was a job on the meter but unfortunately what I think is neither here nor there anymore cause the ombudsman ruled it was all my responsibility.


so I've gone with that, I've kept paying them, I'll one day settle it in full regardless of the outcomes of this current dispute, as I'm an honest up front sort of bloke - what I'd like - more for the sake of my dependents than for me, is for them to acknowledge their part in not warning me (esp as they now claim to have warned me and given an incorrect address) and lets just have an easy life - they remove my mark, I put the lot on a credit cards, suffer for a bit until I get it paid down


or they can do it the hard way and I'll do the payment plan. they'll get paid one way or another but 2k is enormous and I'd really struggle to just make that appear out of nowhere!

I can completely understand how frustrating things like this are, especially when you seem on the ball about your finance (checking your credit file for a start!). When I was younger I made a couple of mistakes and spent a long time paying for them...similar situation to you, I was making payments (lower than originally agreed) but they were still marking me with missed payments. I spoke to them and they explained that as I was breaking the original agreement, they had to do it as it reflected the situation accurately. Frustrating, but I only had myself to blame for breaking the agreement!

It might be an idea to make this suggestion sooner rather than later, as I believe the next stage after the sixth mark is a default, which causes a lot more issues!

Good luck with it all, I hope you manage to get it sorted to your satisfaction

andydiysaver

KatieDee wrote: »

I can completely understand how frustrating things like this are, especially when you seem on the ball about your finance (checking your credit file for a start!). When I was younger I made a couple of mistakes and spent a long time paying for them...similar situation to you, I was making payments (lower than originally agreed) but they were still marking me with missed payments. I spoke to them and they explained that as I was breaking the original agreement, they had to do it as it reflected the situation accurately. Frustrating, but I only had myself to blame for breaking the agreement!

It might be an idea to make this suggestion sooner rather than later, as I believe the next stage after the sixth mark is a default, which causes a lot more issues!

Good luck with it all, I hope you manage to get it sorted to your satisfaction

Thanks for the kind words


- and yes I'm on it, I know what's next and I will most likely conclude it with them next week one way or the other. I think there's fault on both sides- admin faults their side and paying a fixed amount for an easy life my side. However, the argument I'm making is I wasn't told, and we are right on he cusp of that six month marker. you would think in an ideal world they'd just realise their admin mistake, move the marker and I'd take a big hit on the card but have a better future for it. And they might still do that. If not, I'll go payment profile and pay as much as I can in real money and save on the interest, only silver lining to that route, I'd far rather take the big hit then just get on with life (and paying back the card company which I'm sure the APR would motivate me to do ASAP!)

meer53

I have read your posts. I'm not going to get into any argument with you. I was stating the facts but you seem to think that there is a way around your problem with Eon and your credit file. There isn't. Whats the point in anyone telling you that there is ?

One of my posts explained that if you speak to Eon nicely, they might help you. You don't seem to want to do this, you want to fight them. Paying £30 a month without agreeing this with them was a mistake, one of my posts said this, even the Eon rep said as much in their post.

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BillJones

andydiysaver wrote: »

do you honestly think the ombudsman gets it right 100% of the time

Not far off, yes.

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AliceBanned

I've been reading this post and had similar happen to me andydiysaver. You are just expressing your views and getting worked up because you are under stress.

Why can't some people understand that?! There's no "malice". Just someone under stress. Give him a break and stop making judgemental assumptions. People have more to their life than monitoring their electricity meter.

fuzzgun19

Did you try to appeal to eon refusing your repayment offers?

Maybe sending something like this?

http://www.consumeractiongroup.co.uk/forum/showthread.php?387349-Creditor-Refusal-of-Pro-Rata-Payments

BillJones

AliceBanned wrote: »

I've been reading this post and had similar happen to me andydiysaver. You are just expressing your views and getting worked up because you are under stress.

Why can't some people understand that?! There's no "malice". Just someone under stress. Give him a break and stop making judgemental assumptions. People have more to their life than monitoring their electricity meter.

Well yes, but they can't then whine when this causes them problems after they fail to pay for their power.

It's this complete lack of responsibility that gets people's backs up, this idea that you get to be careless and that someone else should pick up the bill.

People such as the OP genuinely seem unable to understand that decisions made as an adult have repercussions. To many of us on here, that is simply bizarre.

LondonGal

Hi Andy,

I'm looking at a slightly different tack on this. Much as I sympathise with you, getting incorrect markers removed from your credit report is a monumental task, let alone ones which are correct.

I assume you and your housemate had a joint tenancy agreement in place for the property? Usually these state that you are jointly and severally liable for the utility bills, and you would both have signed this.

The account may have been in your name, but if your housemate left not too long before you did, I assume the tenancy agreement would stand as a legal document.

Could you not therefore pursue your housemate through the small claims court for half the debt? As the amount would be over £600 you would be able to get a judgment enforced by HCEO's (EA's) via a writ of fi-fa. Alternatively you could serve him with a statutory demand for bankruptcy as again the debt exceeds the threshold.

If faced with a HCEO or BK it is probable he would stump up some money one way or another. The key would be the wording of the agreement. :beer: