honest advice appreciated

AliceBanned

BillJones wrote: »

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.

But being sanctimonious won't help him. He accepts that there is a problem. Talk about kicking someone when they are down. He came on here to sort it out.

Also, you don't know anything about a person's history/state of health etc when they post something. There are so many factors which you can't possibly know about it so it is unfair to make insinuations about supposed failings in a person's character.

AliceBanned

And Bill Jones MSE Forum team had to remove your text anyway, and I had responded to this - it isn't there any more.:)

edpvito

As others have said, the fact of the matter in these situations is that the companies are holding all the cards. That doesn't make it morally correct but in virtual all cases it is legally correct. As individuals we can never be as prepared as a large organisation with banks of legal advisors making sure that all i's are dotted and t's crossed. I used to be very, very frustrated in these circumstances and have on more than one occassion lost my rag down the phone to companies. At some point I just realised that it was better to learn something about life, look at the situation with a different perspective, stop making my life even more miserable because of the situation and deal with the situation as it is and not how i wish it was. 2k is a bit of a bummer, it is true, but in the scheme of things and your life it is not such a big deal. Its healthy to have a small assumption that companies are out to get out of you what they can. Its not healthy to assume it all the time of everyone however. The UK credit system is totally ridiculous and they have us all dancing around to their tune. Its laughable. You've been dealt a bum hand, don't let the buzzards grind you down further, which is exactly what you are letting them do.

meer53

AliceBanned wrote: »

And Bill Jones MSE Forum team had to remove your text anyway, and I had responded to this - it isn't there any more.:)

Bill Jones (and my text) were only removed by the forum team because we both re quoted a post from the OP where he had made an inappropriate comment towards myself. The OP's post was removed. (Look at the edit details on posts 21 and 26)

The OP was just as sanctimonious (and abusive) as anyone else on this thread.

LondonGal

You focus on the negative. No views on my post then? Surely that tenancy agreement must have some relevance.

XXSCOTSLASSXX

Oh dear....I don't really think its fair to resort to personal insults on anyone...it appears you do not agree with the opinion of a number of posters....

However regardless of whether it was eon or any other company for that matter...they MUST report HONESTLY to the credit reference agencies...failure to do so would be in effect fraud, which is what you are requesting they now do.

With regards to 'not being advised' they were going to report negatively....surely by receiving the bill for £2k ....not being able to pay in full and sending them a statement of affairs and offer of BELOW the actual payment is acknowledgement of not making the contractual payment? .....they have reported HONESTLY to the credit reference agencies the status of your account over the last 6 months.... you are now requesting they remove these markers and basically lie about the status/history of your account....

I fully understand you feel you have circumstances which explain the situation, which they will take into account, however they will NOT and can NOT remove actual honest factual information and be in breach of their own t&c.

99% of people who receive negative info on their credit reports most probably have what they feel is a very valid reason for not making the payment/paying lower than requested etc however knowing that you are not making the contractual payment you have to accept/understand that you will receive negative entries regardless of why payment was not made.... Please take a step back and read fully the responses given no one is in any way assuming blame.

BillJones

AliceBanned wrote: »

But being sanctimonious won't help him. He accepts that there is a problem. Talk about kicking someone when they are down. He came on here to sort it out.

I don't think that he did, it seems that he came on here seeking reassurance that he was in the right, and then got upset when most people correctly pointed out that he isn't.

andydiysaver

BillJones wrote: »

I don't think that he did, it seems that he came on here seeking reassurance that he was in the right, and then got upset when most people correctly pointed out that he isn't.

most people or just your mates?


correctly pointed out? you sound very sanctimonious


1. I always said I'd pay it one way or the other


2. even you have made mistakes in your life


you are just annoyed because I offended one of your mates, I don't want any reassurance and the bill will get paid - not that it is any of your business, I could never pay it or talk to them again, and it still would not be your business. you are one of those who likes to come on here and judge when you do not know the full ins and outs.


I'm bored of this thread now esp as we have both had respective posts edited through our mutual dislike of another, If we can't say what we want to say, what is the point?

andydiysaver

LondonGal wrote: »

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:

yes both on the agreement and I also have the surviving copy of this agreement but I cannot pursue him as he has vanished, it's a bit like council tax, leaves the remaining person who kept in touch fully liable until the other one is found. I guess I could put the wheels in motion, but that'd be an extra cost to me for unpredictable result. It could work, it might not, and while I've got the existing cost, and he's at large, then I'm probably best cutting losses and paying it

fuzzgun19

There are some unsympathetic people on these forums.

If I were you Andy, I'd be miffed too especially as Eon seem unwilling to help with the payments you're offering, and as your house'mate' shat on you.

I would keep on at Eon to accept your max of £30pm, only communicating in writing. I'm not sure you can do anything about the markers on your file - maybe try asking about that on a different forum, there may be someone more knowledgeable than me.

Chin up Andy