British Gas Credit file lies stopped me getting a mortgage.

Mumof3G7GC

They should have marked the credit file 1,2 but they marked it 4,5,6.  They did the marking of the file BEFORE I had even been asked to increase the DD and because they look at the month as a whole, if your payment was due on 1st of month but you didn't pay until 2nd, that counts as a month marker!!

Affordability isn't the issue; I've paid off 2 houses and have a substantial deposit.  Salary more than covers the mortgage request.  The answer i got was the British Gas credit markers.

Current status is I am with Octopus still paying £350pm and i have a credit of just over £500 at today's date...  what does that tell you?!

BG denied that their markers were the same as showed on my file from 'Check my file' and disagreed with Ombudsman decision so they have appealed it.  So now back with Ombudsman.  Next decision is final.

missmuffet84

They have treated me the same way I’m awaiting a first decision from ombudsman currently! 

I switched 04 sept asked 27 sept where my final bill was so I could settle they said not ready (not sure why not they took a reading every half a bloody hour)
I mentioned I would need to cancel my direct debit as I didn’t want to be at risk of overpaying which they said I could do, have this in writing,
I couldn’t access my accounts online just always logged me into old system they sent an email 08 October with a link to view final bill link took me to a nil final bill from old account system dated Oct 2023 told them that, the same day, they then a week later sent bill via attachment which I settled within 14 days although they wanted it settled in 7 days (although irrelevant to my complaint I said this was unreasonable) during all this I saw the missed payment mark in my credit file, firstly they wanted me to send evidence as they couldn’t see anything their end, then they ended up opening 3 different complaint references they have sent confusing and conflicting emails throughout, saying they have resolved my complaint but not said how, calls and manager call backs have been promised and not happened and so I took complaint to energy ombudsman.

In their comments when they have submitted their evidence they claim the unpaid marker is from the July bill that still had £51 outstanding when I cancelled my direct debit on 27 sept. But they failed to communicate this or given me sufficient access to my account to enable me to discover this for myself or time to pay £51 regardless as 01 Oct was when my file was marked!! 3 days later! Apparently I needed a Time Machine to go back and pay the July bill within the 14 days it was issued. 

They offered £50 but won’t remove mark I have refused that offer. Feeling very let down by them and their inadequate systems the mark is unjust in my opinion. 

So interested to see how your case materialises as lots of similarities.