Incorrect default added to credit score by EOn Next and compensation

DisgruntledEOnCustomer

Hi 

I'm after a little advise here. I recently found out that EOn next had incorrectly added a default to my credit score (confirmed in writing by them), and am still trying to get this removed from my credit score (I've been promised this has been done, but am still waiting for it to filter through onto my credit report - now over a month since I was told it would be removed). 

The issue is I found out when I went to redeem a mortgage offer I had previously agreed as I had just sold my house and agreed to the purchase of another, we had the agreement in principle, but the default was added after that had been agreed. Long story short, the mortgage offer was declined though my current lender due to the default, and I have had to arrange alternative finance though another bank, paying an early redemption fee, and a new product arrangement fee. It was this or loose the sale, purchase and all the monies already forked out for the move (so the lesser of two evils).

Long story short, EOn's mistake means I'm out of pocket by more than £1,000. I am human, and do appreciate that errors happen (yup, I make them too...), but I've been offered £30 in compensation, which seems a little out of balance with the costs I've incurred, never mind the time this is taking me to try and resolve. Whilst I continue to try and address this with EOn, I was just wondering if anyone had been down this path before, what would be reasonable given the circumstances, and whether or not an approach to the financial ombudsman may be needed?

Any views welcomed - esp by EOn who I guess may keep one eye out here... 
   

molerat

Reported for moving to the correct board.

DisgruntledEOnCustomer

Thanks molerat, first time here and I wasn't sure where to post, if there is somewhere better please do point me in the right direction...

sourcrates

Well an incorrectly applied default should not happen, and can cause serious issues obtaining credit.

You say you have a letter confirming their error?

If that`s the case, £100 is about the most you should expect from this, there`s no exact correlation between assumed loss and your actual loss, see if they improve the offer or take it to the Energy ombudsman.

DisgruntledEOnCustomer

Thanks Sourcrates, I've copied and pasted the below from their letter, removing the personal info "Hello...

We do apologise for the inconvenience you have had because of the default which was incorrectly added to your credit file. We can assure you that the default which was added to your credit file on XXth XXX XXXX was invalid and it has been withdrawn on XXX....

Despite this admission, I've been significantly disadvantaged, as my mortgage lender wouldn't accpet the letter by way of mitigation, and the default is still showing over a month later. EOn today increased their offer to £50, but I struggle to accept this as fair, as I'm at no fault, but over £1000 worse off....

I guess I may have to pursue through the energy ombudsman, but i'm thinking that's likely to be a long winded and stressful process?