EON placed Default Notice on credit report

petermcc81

Thank you for taking the time to respond Helena.
That is most unfortunate as if it happened the year before the default would not have been recorded but I have two final questions which you may or may not be able to assist with.
Would the fact that the bill was issued 7 weeks earlier than scheduled coupled with fact that I was prohibited from travelling to the apartment to collect the bill have any bearing on my plight as I am aware that some other utility companies weren't recording defaults during the first lockdown (this may or may not be true but I read it on another forum, so apologies if it is incorrect)

E.ON_Company_Representative:_Helena

petermcc81 said:

Thank you for taking the time to respond Helena.
That is most unfortunate as if it happened the year before the default would not have been recorded but I have two final questions which you may or may not be able to assist with.
Would the fact that the bill was issued 7 weeks earlier than scheduled coupled with fact that I was prohibited from travelling to the apartment to collect the bill have any bearing on my plight as I am aware that some other utility companies weren't recording defaults during the first lockdown (this may or may not be true but I read it on another forum, so apologies if it is incorrect)

Thanks petermcc81,

I fully understand how frustrating this is and how difficult things have been for some people.

Although we were still sharing with Equifax, we didn't disconnect anyone's supply during this period, for non payment. We were also able to have conversations with customers affected by Covid 19 around their ability to pay.

We will send you a default notice. After reminders have been sent.This is a letter explaining that we are about to notify Equifax that you have failed to pay. When we send you the default notice, you have 14 days from the date of the letter to pay in full. If you are struggling to pay, it is really important that you speak to our credit management team straight-away.

I'm a bit unclear about the bill being 7 weeks early, normally customers are billed quarterly, although some customers are billed monthly or even 6 monthly, this depends of certain things, like the credit check and the payment arrangement.

You can check the billing date on your online account, this may have been a revised bill, to correct a previous estimate.

I'll be out the office (home) for a while from now, so hope this does help to explain.

Thank you

Helena

niktheguru

This is a very unfortunate situation and i sympathise with the OP but they have done several things wrong which would suggest the default is reasonable.

1. If there were postal problems, you should have 100% had an online account registered.
2. When you moved out you should have had royal mail forwarding of your post, which would have allowed this situation to be avoided.
3. You could have left forwarding details with the previous landlord/housing association/tenants, or a big Stamped addressed envelope for them to send your post every month
4. Did you submit final meter readings to eon when you moved out to terminate your account? Were you paying by direct debit or paying on receipt of bills, if the latter then thats is why it is ever MORE important to either have an online account or ensure your post is checked.

Its all good an well expecting eon to "phone" you. but nowadays things are done either online or by post. If they have sent several postal letters and not received a response they are within their rights to take it further, and given there was non payment it would affect your credit rating.

Its unfortunate, but hopefully you've learned the lessons so something like this doesnt happen again.