Scottish Power

Ady87

Hello all

I was hoping to apply for a mortgage this month and have just opened checkmyfile to see a couple of entries under AR Arrangement for Scottish Power.

We are on prepayment meter. Apparently we built up a debt (not sure how, top up weekly and if the meter goes to zero the power goes off!). They advised us of separate balances owed on gas and electric. This was at the same time as they botched a smart meter upgrade taking several months. They said they were going to amend our top ups so a proportion of the top up would clear money owed - fine. They wrote to us a couple of months after advising this to say they needed to tweak the amount taken - also fine.

Now I see this and my credit score has dropped like a stone. If I’d known I could get in credit score issues for a prepayment meter I’d have just paid it all off cash as it’s not an issue but just assumed this was BAU stuff for them and the £500 would have been better left in the bank and following their advised course of action.

Any advice on what I can or should do from here?

Ady87

Also, will settling the balance now help at all or not?

Ady87

Emailed a complaint but got impatient and called them. Cleared the balance. Lady in the phone said she’d also emailed the team that handle credit searches and stuff to see if they can remove the ‘default’.