Default Help (Urgent Mortgage Application)

lb187

I have had a data share on my credit file from Eon as a default on 24/02/2018, my account was registered only on the 18/09/2017, my first bill was viewed by me in October 2017, due to my registering late due to my first believing that British Gas was my supplier upon moving in on 15/03/2017.

I have raised a complaint via Eon & Equifax and my resolution manager looking into it I have found out that my billing cycle was started in July when it should have been when I registered in September, so due to this in October when I viewed my first bill which was for a large amount that I could not pay immediately, the first data share was “3” indication 3 months late which is inaccurate as I had only been a customer less than 3 weeks at that time.

In my view this has been done as the billing team had to start somewhere but as this was inaccurate this means as a customer I believe I had been treated unfairly due to the default letter that I am still yet to receive was sent to my new address on Febuary 6th 2018, after several un-responded e-mails of my request of the final bill. So this was shared when I had only been a customer less than 3 months.

It is in my view had I been any other customer I would have been given more time to settle this debt before the data share team shared this as a DEFAULT on my file. This feeling has been shared by my resolution manager.

How can I get this removed as the data share is blatantly innaccurate but they dont seem to want to change it and i have an urgent mortgage application to do?!!!

It is for that reason why I request for the DEFAULT shared on my file at that date be removed, I believe that this would be a fair result and this is where I would be happy to conclude this matter, if not I will have no other choice than to escalate this.

Bermonia

Is it a ‘default’ or a marker stating late payment? - ultimately it depends on if they agree that they shouldn’t have done it, if however they conclude that the information is correct then they have an obligation to record it as such.

You will need to wait for their final response and then take it from there.

lb187

It is now showing as a DEFAULT how can they do that if I only registered as a customer in September to show 3 payments late in October seems strange?

Thanks though

[Deleted User]

So you haven't paid the bill or you paid it late?

lb187

I have paid the bill