Energy Company incorrectly put defaults on my credit file

Mortimer24

And the saga continues, they've upped their offer now by another £30 which brings us up to £105 to apparently cover my costs for having to join Experian and £75 'goodwill' gesture. I've advised them that this is still completely unacceptable so I await the Ombudsman's support now. I'm told that I can't expect to be compensated for the extensive amount of time I have had to invest to resolve this situation nor for the solicitor's fees and surveyor's fees that were incurred as a direct result of losing the mortgage due to the incorrect defaults. Does anyone know the legalities around this as I have a feeling that they are bluffing here?

A_Flock_Of_Sheep

Mortimer24 wrote: »

Frankly, I was more perturbed by the inference that the only 'sensible' thing to do is to start a new account by concealing my identity. How are you supposed to set-up direct debit and thus achieve a cheaper rate without providing your name? I think the point has been completely missed here that my utilities company have totally screwed up and I now need to deal with getting compensation which is what I was asking for advice about. Sadly I'm not able to go back in time and fabricate an identity to prevent against something which no one could have predicted would happen. Some helpful advice would be very much appreciated rather than just having a dig at someone for being a normal honest person.

Anyone can pay a Direct Debit it does not need to be the utility account holder. But supports my view that Direct Debits should be avoided anyway.

A_Flock_Of_Sheep

Mortimer24 wrote: »

And the saga continues, they've upped their offer now by another £30 which brings us up to £105 to apparently cover my costs for having to join Experian and £75 'goodwill' gesture. I've advised them that this is still completely unacceptable so I await the Ombudsman's support now. I'm told that I can't expect to be compensated for the extensive amount of time I have had to invest to resolve this situation nor for the solicitor's fees and surveyor's fees that were incurred as a direct result of losing the mortgage due to the incorrect defaults. Does anyone know the legalities around this as I have a feeling that they are bluffing here?

Work out all your losses and send them a notice before action stating that if they will not pay the value you calculate within 14 days then you will submit an N1 and begin court proceedings against them to recover all sums due to you.

The cost of bringing a case to small claims is quite small and it is straightforward process. Would be interesting to see what their defence would be.

Thrugelmir

A_Flock_Of_Sheep wrote: »

Would be interesting to see what their defence would be.

Easy . Prove it.

There's no certainty that a mortgage offer would have even been made.

Without substantive evidence little point in wasting a court's time.

Mortimer24

Actually, as soon as these marks have been removed the mortgage company have offered the full amount we asked for but the house has now sold to someone else so yes I can prove it.