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Energy company sharing tenants data with landlord and putting default onto wrong credit file (Merge)

Just_An_Opinion
Posts: 27 Forumite

Good afternoon,
I am a landlord (small house, less than £100k and used my military leaving payment for a mortgage deposit). SO Energy have breached GDPR rules and somehow put my tenants 6 months of defaulted payments of £1300, her name, account number and address onto my credit report even though there is no connection whatsoever. These 6 payments are the only payments I have missed in the last 20 years and it has had a drastic affect on my credit rating with MSE, ClearScore and TotallyMoney.
I have tried contacting them for over a month and finally spoke to someone yesterday who said "I will look into it" and that is the only response i have received.
Is there any advice or points of contact anyone knows that would allow me to speed this up or get a valid response. Also, would I be entitled to compensation as this has affected my relationship with the tenant as I now morally can't increase her rent knowing she is in debt and it has affected me getting finance elsewhere (which is why I checked my credit report and found the error). It is a breach of GDPR and I have spent several hours of my own time chasing this up.
Any help would be fantastic, Thank you in advance
I am a landlord (small house, less than £100k and used my military leaving payment for a mortgage deposit). SO Energy have breached GDPR rules and somehow put my tenants 6 months of defaulted payments of £1300, her name, account number and address onto my credit report even though there is no connection whatsoever. These 6 payments are the only payments I have missed in the last 20 years and it has had a drastic affect on my credit rating with MSE, ClearScore and TotallyMoney.
I have tried contacting them for over a month and finally spoke to someone yesterday who said "I will look into it" and that is the only response i have received.
Is there any advice or points of contact anyone knows that would allow me to speed this up or get a valid response. Also, would I be entitled to compensation as this has affected my relationship with the tenant as I now morally can't increase her rent knowing she is in debt and it has affected me getting finance elsewhere (which is why I checked my credit report and found the error). It is a breach of GDPR and I have spent several hours of my own time chasing this up.
Any help would be fantastic, Thank you in advance
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Comments
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Good afternoon,
I am a landlord (small house, less than £100k and used my military leaving payment for a mortgage deposit). SO Energy have breached GDPR rules and somehow put my tenants 6 months of defaulted payments of £1300, her name, account number and address onto my credit report even though there is no connection whatsoever. These 6 payments are the only payments I have missed in the last 20 years and it has had a drastic affect on my credit rating with MSE, ClearScore and TotallyMoney.
I have tried contacting them for over a month and finally spoke to someone yesterday who said "I will look into it" and that is the only response i have received.
Is there any advice or points of contact anyone knows that would allow me to speed this up or get a valid response. Also, would I be entitled to compensation as this has affected my relationship with the tenant as I now morally can't increase her rent knowing she is in debt and it has affected me getting finance elsewhere (which is why I checked my credit report and found the error). It is a breach of GDPR and I have spent several hours of my own time chasing this up.
Any help would be fantastic, Thank you in advance
AT0 -
"I now morally can't increase her rent knowing she is in debt "
yes you can. Her financial situation is nothing to do with your business as a landlord. Do you see energy companies not putting up their prices because people can't afford them? NO.
As for the problem, energy companies are notorious for just trying to get money out of anyone in any way connected with a property and you just need to keep on at them until they capitulate - it can take months, I know, I've had it.
No idea about the GDPR though sorry0 -
FlorayG said:"I now morally can't increase her rent knowing she is in debt "
yes you can. Her financial situation is nothing to do with your business as a landlord. Do you see energy companies not putting up their prices because people can't afford them? NO.
As for the problem, energy companies are notorious for just trying to get money out of anyone in any way connected with a property and you just need to keep on at them until they capitulate - it can take months, I know, I've had it.
No idea about the GDPR though sorry0 -
Who's name in the account in?Life in the slow lane0
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born_again said:Who's name in the account in?0
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In the meantime, add a Notice of Correction.1
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Just_An_Opinion said:If she isn't scared of defaulting against a large corporation, I doubt she would be against me.If your tenant gets two months behind on her rent, you can begin eviction proceedings.If she gets behind on her energy bills, the worst they're likely to do is switch her to prepayment.
N. Hampshire, he/him. Octopus Intelligent Go elec & Tracker gas / Shell (now TT) BB / Lebara mobi. Ripple Kirk Hill member.
2.72kWp PV facing SSW installed Jan 2012. 11 x 247w panels, 3.6kw inverter. 33MWh generated, long-term average 2.6 Os.Not exactly back from my break, but dipping in and out of the forum.Ofgem cap table, Ofgem cap explainer. Economy 7 cap explainer. Gas vs E7 vs peak elec heating costs, Best kettle!0 -
QrizB said:Just_An_Opinion said:If she isn't scared of defaulting against a large corporation, I doubt she would be against me.If your tenant gets two months behind on her rent, you can begin eviction proceedings.If she gets behind on her energy bills, the worst they're likely to do is switch her to prepayment.1
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FlorayG said:"I now morally can't increase her rent knowing she is in debt "
yes you can. Her financial situation is nothing to do with your business as a landlord. Do you see energy companies not putting up their prices because people can't afford them? NO.
As for the problem, energy companies are notorious for just trying to get money out of anyone in any way connected with a property and you just need to keep on at them until they capitulate - it can take months, I know, I've had it.
No idea about the GDPR though sorryHe/she did say morally, not business reasons.Nice to see a LL that cares for their tenant.
I do agree with you on resolving it, just keep at it, a threat for damages might move them a long quicker.1
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