EON have ruined an excellent credit rating

philipsamba1

Sorry for the miss spelling of Equifax ( Not Equinox).

philipsamba1

Please has anyone got the correct E.on address to send my Subject Access Request letter to. I phoned them up and they refused to give me an address and asked me to wait for their form?

I am not waiting for their form. I need the address ASAP so I can dictate the information I require.

Has anyone also got the contact details to report the case to Watch Dog?

I have 3 years to leave no stone unturned and will do everything in my power to make these people pay for the mistake of trying to destroy my credit report based on their ignorance and mistake to log my call in 2010.

Former_E.ON_Company_Representative:_Malc

Hi philipsamba1 and welcome to the Forums.

To be honest, I can understand your confusion. If I'm reading this right, and sorry if I'm not, it looks as though you moved in 2010 but we didn't close the account until recently. If this is the case, between 2010 and 2015, bills will have been produced in your name and sent to the property. Is this the case? If yes, do you know if the current occupier was paying these even though not in their name? I ask because, without payment, there'll have been quite a lot of follow up over the 5 years.

As I posted above, when we share information with Equifax, we give them a true reflection of the status of an account at the time of the share. If your account was still active, this is what we would've shared.

You're doing the right thing in going down the complaints route. You'll have a Complaint Manager who'll investigate and offer a resolution. If you're unhappy with the offer, you'll be put through to the Resolution Review team who will look at the complaint from yours and our point of view. They'll either uphold the offer or suggest an alternative. If you're still unhappy, we'll issue a deadlock letter so you can go to the Ombudsman. Also, if the complaint's over 56 days old, you can go to the Ombudsman now. No need to wait for a deadlock letter.

You can ask for a Subject Access Request (SAR) at any time. There's a £10 admin fee and we'll send a form. Once we receive your completed form/fee we'll let you have the information within 40 days. I totally understand your frustration but best to follow this path as an SAR is handled by a specialist team who'll pull everything together for you.

By all means write to us. There's several addresses so I'd recommend using the one on your old bills although, for a quicker response, I'd email through our website.

Sorry if I'm barking up the wrong tree philipsamba1 but hope this is of some interest.

Malc

GingerBob_3

E.ON_Company_Representative:_Malc wrote: »

Hi philipsamba1 and welcome to the Forums.

To be honest, I can understand your confusion. If I'm reading this right, and sorry if I'm not, it looks as though you moved in 2010 but we didn't close the account until recently. If this is the case, between 2010 and 2015, bills will have been produced in your name and sent to the property. Is this the case? If yes, do you know if the current occupier was paying these even though not in their name? I ask because, without payment, there'll have been quite a lot of follow up over the 5 years.

As I posted above, when we share information with Equifax, we give them a true reflection of the status of an account at the time of the share. If your account was still active, this is what we would've shared.

You're doing the right thing in going down the complaints route. You'll have a Complaint Manager who'll investigate and offer a resolution. If you're unhappy with the offer, you'll be put through to the Resolution Review team who will look at the complaint from yours and our point of view. They'll either uphold the offer or suggest an alternative. If you're still unhappy, we'll issue a deadlock letter so you can go to the Ombudsman. Also, if the complaint's over 56 days old, you can go to the Ombudsman now. No need to wait for a deadlock letter.

You can ask for a Subject Access Request (SAR) at any time. There's a £10 admin fee and we'll send a form. Once we receive your completed form/fee we'll let you have the information within 40 days. I totally understand your frustration but best to follow this path as an SAR is handled by a specialist team who'll pull everything together for you.

By all means write to us. There's several addresses so I'd recommend using the one on your old bills although, for a quicker response, I'd email through our website.

Sorry if I'm barking up the wrong tree philipsamba1 but hope this is of some interest.

Malc

What you mean is - this is what we think the account status is, so this is what we're going to "share". No matter if the status might be wrong (maybe because there's a pending query), we'll "share" it anyway!

Isn't it well past the time that you, Eon, and the rest of the contemptible energy suppliers, were banned from "sharing" as you describe it? You just cause too much grief.

philipsamba1

Hi Malc, thanks for the reply.

The current occupier had been paying the bills, but made a few late payments which have now been setteled, but because the account was not closed in my name, and the new occupant never contacted EON, the default for late payments were under my name. I understand that because the EON representative I spoke with, never closed the account, which is why this is on my credit file.

What I don't understand is in April 2015 EON have accepted, through evidence presented from me, and the current occupier, I was not the occupant from 2010-present. EON have actually placed on the system my account was closed in 2010 (retrospectively) and sent me a cheque (As my account was in credit) of the balance on that date. The evidence was provided to a Resolutions Manager and was okayed by EON's legal team. So why retrospectively with the new information which has come to light, and the acceptance by EON I was not the occupant from 2010-2015 , would they not report to Equifax the accvount is now closed( As of 2010), and remove the default under my name.

The reviwer and data share team are saying they will not remove the default as I did not tell EON I was moving??? They also believe I have a joint tenancy with the current occupier???

Even if I had a joint tenancy how does that equate to a joint credit agreeement? The current occupier has not only admitted, and provided accepted proof he was the sole occupier from 2010- present. Currently the EON account is only in his name?

If EON believe having a shared tenancy means people on the tenancy are equally reponsible, why would they create an account for an individual?

What are EON going to lose by removing the default retrospectively? Why are the datashare team going against the resolution managers request?

To Answer your question I am awaiting a Deadlock letter, and made a SAR, which EON should recive today by special delivery at two of the many addresses. the original address on my bill is a PO Box (I need a signiture to make sure they have recived it, and now counting 40 days).

I can see this having to go through a solicitors as I can find no legislation which supports there argument as EON are now not sharing accurate and up to date information to a credit reference agency (EQUIFAX).

brightsky

Hi,
I had the same problem a few months ago, the way i dealt with it was firstly i tweeted them on Twitter, which forced a response as they do not want complaints made public, and then they called me. I was advised to put a letter of complaint in, after a few phone calls and sticking to my guns they removed it from my credit file.
Hope this helps.

Former_E.ON_Company_Representative:_Malc

philipsamba1 wrote: »

Hi Malc, thanks for the reply.

The current occupier had been paying the bills, but made a few late payments which have now been setteled, but because the account was not closed in my name, and the new occupant never contacted EON, the default for late payments were under my name. I understand that because the EON representative I spoke with, never closed the account, which is why this is on my credit file.

What I don't understand is in April 2015 EON have accepted, through evidence presented from me, and the current occupier, I was not the occupant from 2010-present. EON have actually placed on the system my account was closed in 2010 (retrospectively) and sent me a cheque (As my account was in credit) of the balance on that date. The evidence was provided to a Resolutions Manager and was okayed by EON's legal team. So why retrospectively with the new information which has come to light, and the acceptance by EON I was not the occupant from 2010-2015 , would they not report to Equifax the accvount is now closed( As of 2010), and remove the default under my name.

The reviwer and data share team are saying they will not remove the default as I did not tell EON I was moving??? They also believe I have a joint tenancy with the current occupier???

Even if I had a joint tenancy how does that equate to a joint credit agreeement? The current occupier has not only admitted, and provided accepted proof he was the sole occupier from 2010- present. Currently the EON account is only in his name?

If EON believe having a shared tenancy means people on the tenancy are equally reponsible, why would they create an account for an individual?

What are EON going to lose by removing the default retrospectively? Why are the datashare team going against the resolution managers request?

To Answer your question I am awaiting a Deadlock letter, and made a SAR, which EON should recive today by special delivery at two of the many addresses. the original address on my bill is a PO Box (I need a signiture to make sure they have recived it, and now counting 40 days).

I can see this having to go through a solicitors as I can find no legislation which supports there argument as EON are now not sharing accurate and up to date information to a credit reference agency (EQUIFAX).

Hi philipsamba1 and thanks for clearing that up. I couldn't understand what had been happening with the bills between 2010 and recently. As they were going out in the new occupiers name and being paid by them, this explains why we weren't following up with further communications.

The nub of the matter seems to be the nature of the contact made when the property changed hands in 2010. The SAR will help here. As you've reached deadlock, I'd wait for the letter and go to the next stage and refer to the Ombudsman for an independent ruling. This ruling will be binding on us but not on you leaving you free to go down other routes if you wish.

Malc

philipsamba1

HI Malc, I had an alert of my credit file and EON has opened up a file on my credit report for my present address here with my wife? We have never used EON to provide Gas, so why would they put an opened account at my new address. I only ever gave the address to get confirmation my account was closed and when I sent a letter for a subject access request.

I don't understand. Do you have any contact details for the data share team, because right now they have knowingly shared inaccurate information to Equifax?

Former_E.ON_Company_Representative:_Malc

Hi philipsamba1 and sorry for the late reply. Not been in the office since last week. It's best to talk to your complaint manager. They'll look at what's been happening and be in touch with the Datashare team.

Sorry again for the late reply.

Malc

philipsamba1

Just to give people an update, just in case anyone is ever is his position.

I made a complaint to Equifax, Ombudsman, and ICO, at the same time. I also sent them proof of my residency forthe past 5 years. I emailed correspondence, and any supported documentation.

I also requested SARs from EON, but this was never sent. At first they toldme they would send a template which I was to complete and send to their PO BOXAddress. I asked them for the Head Office address, and they refused to givethis to me.

I then sent a letter requesting my data, and information held on me, andsent the letter to two different addresses by special delivery, both included acheque for £10.

This resulted in Equifax removing the default temporarily removing thedefault until they checked whether EON could provide evidence they had providedthem with up to date information.

Eon responded by placing another account onto my credit file claiming theywas providing gas to my present address since 2003 even though I had moved tothat address in 2010. EDF energy was the providers of gas energy to thathousehold from 2007- 2011. Another supplier now supplies us with GAS. This showeda total malicious attempt to lay around with my credit file.

The Ombudsman responded in what seemed like an age with:

Dear Mr Samba1

Your complaint about E.ON

You checked your credit file in April 2015 and became aware of adefault placed by E.ON in 2013. You left the property concerned on 10 February2010, but E.ON has no record of you informing it of this. The account was incredit at the time, and your brother continued to pay bills until November2011. After payments stopped, E.ON placed a default on your credit file.

You later provided evidence that you had left the property, withyour brother taking responsibility for the bills and being unaware of the changeof tenancy process to place the account into his name. E.ON accepted theevidence you provided, backdating closure of the account to 28 February 2010.However, it has refused to remove the default from your credit file, as itacted correctly in placing the default at the time.

Creditors are guided by the Principles of Reciprocity when markingcredit files. The main thrust of the Principles is that data is shared only forthe prevention of over-commitment, bad debt, fraud and money laundering and tosupport debt recovery and debtor tracing, to aid responsible lending.

While I accept that E.ON did act correctly in placing a default onyour credit file at the time, you later provided evidence to confirm that youwere not responsible for the debt. The removal of credit file markings wouldnot mean that E.ON is acting against the Principles of Reciprocity. Therefore,I consider it reasonable for E.ON to remove any adverse credit markings placedafter 28 February 2010, which is when your responsibility for the accountended.

Following the investigation, my decisionis that E.ON should:

- confirm that it hasremoved any adverse markings that it placed on your credit file after 28February 2010.



The Result:

ICO are still investigating them for fraud/theft as they still have notreturned my cheques, even though they were cashed. I evidenced this to ICO,showing they were cashed from my account.

The Default and all accounts that were set up in EON’s name have been permanentlydeleted.

I received letter from EON apologising for their lack of customer service,and blah, blah, blah.

I got my loan at the lowest possible APR, and have managed to buy my familycar. I really wish I had some basis to take legal action against EON.