Eon Reporting To Equifax

Hector_MacBovril · 26 May 2014 at 10:31AM

Double checked, they were notified. Will give them a call

GingerBob_3 · 26 May 2014 at 10:54PM

Hector_MacBovril wrote: »

Double checked, they were notified. Will give them a call

I know this is shutting the stable door after the horse has bolted to a certain extent, but for anyone new to this issue and mulling over switching suppliers, here's a few pieces of good advice:

1) Don't got to E.On (or NPower or BG) since they may screw up your ability to obtain credit, through no fault of your own (this board is littered with such cases).

2) Don't have utility accounts in joint names, mainly for the reasons alluded to at the start of this thread.

3) If your utility provider does not know your full name and date of birth, ABSOLUTELY DO NOT GIVE THEM THIS INFORMATION. The three companies mentioned above will often try to harvest this information when you ring them, and if they haven't already got it. If they do try, either refuse point blank to give it, or give them a false one. In theory, they should not report your finances to the CRAs if they can't properly identify you, and without a DoB that becomes so much harder for them (they may still try and report you based on incomplete data, but don't help them here).

4) Don't listen to the utter bilge you'll get from the likes of the Experian rep, and the applicable energy company reps when they lie to you about the benefits of your energy account details being reported; they totally igonore the downside of this.

molerat · 22 July 2014 at 11:37AM

E.ON_Company_Representative:_Malc wrote: »

Hi molerat

Oh! I see. You're right to question that. It doesn't sound right to me either.

If you drop an email with your details to the address in my Profile, I'll be happy to take a look and find out why it's still happening.

Malc

molerat wrote: »

I have had an answer back from Malc and it seems their computer system has screwed up and is still reporting some closed accounts but is now being looked at.

I have just pulled my Equifax report, I get 2 free a year with Cap1 so did not want to waste one at the time, and my EOn file has been corrected to settled in Dec 12, not quite right but pretty close

Former_E.ON_Company_Representative:_Malc · 22 July 2014 at 12:03PM

Thanks for letting me know molerat. Glad it came through in the end.

Enjoy the rest of your day.

Malc

andyle · 30 January 2015 at 8:49PM

Eon have ruined my credit report with Equifax.
This company think that they are a law unto themselves. I have requested 3 times that EON put me on a quarterly bill and three times I was told that this had been done (I have taped telephone calls to prove this). Eon to my horror kept me on a monthly bill without telling me and as such have registered 3 late payments on my credit file. I have reported this to EON and they say 100% they are sharing my data correctly. Eon say that although they agreed to change my payments to quarterly, because they hadn't done this on their system they continued to keep me on monthly and that I should have some how know that this was the case and continued to pay monthly. Did they not enter into a verbal agreement by telling me on three occasions that I had been swapped to quarterly billing?? I have now contacted the Ombudsman and also Watchdog and now a solicitor to try and resolve this, but it is taking time. I have requested all the data that EON hold on me and will forward this to all parties along with the taped telephone calls. What is even more laughable is that after lodging the late payments, they then indeed sent me a quarterly bill which I paid the day I received it, and yet when checking my credit report today they have lodged a further two late payments on my report in relation to the bill that was paid instantly. I spoke to EON and the representative stated that they hadn't dealt with my initial complaints correctly (taped telephone call) and he could see that I was on quarterly billing and that it must be a system error. I have checked my credit report and it says payment terms monthly. Because this is now with the Ombudsman, EON are refusing to do anything with my case whilst its with the Ombudsman and so its just a waiting game whilst the Ombudsman fight this case that should have been sorted with a single phone call. I have this week applied for a mortgage and had it declined due to the EON entries on my Equifax credit file. My Experian credit file is 999 Excellent and I have never missed a payment in my life and so I find it criminal that such a poorly organised company should be allowed to ruin peoples credit files and people lives as a consequence. I hope that BBC WatchDog decide to take this case because it is absolutely about time that someone taught EON a valuable lesson they wont forget!!!

spiro · 31 January 2015 at 10:00AM

Have you raised a formal complaint with Eon? If not the ombudsman will reject your complaint until such time as you have done this and Eon have had time to resolve the matter (8 weeks).

Former_E.ON_Company_Representative:_Malc · 5 February 2015 at 11:04AM

Hello andyle and welcome to the Forums.

I’m sorry if we gave you the wrong information when you called to ask for the billing frequency on your account to be changed. You’re doing the right thing in going down the complaints route. As this is now with the Ombudsman, the complaint will be held by a separate team who look after all cases that have reached this stage. If you need to discuss it with us please talk to this team. Other advisors won’t be in a position to help. Contact details will be on the letter we sent outlining our final position. For information about the progress the Ombudsman’s making you’ll need to contact them directly.

We’ll be happy to send you a copy of your account history. Please ask for a Subject Access Request (SAR) as outlined in the Data Protection Act 1998. There’s a £10 administration fee for this.

Thought it might be of interest if I explain what generally happens when customers ask for bills to be sent at different times and how we share information with a credit agency.

Billing frequencies are determined by when and how accounts are first set up, the payment method and the results of a credit check. Customers are billed quarterly, monthly, six monthly or yearly. Once set, it’s very rare the frequency will be changed unless something significant happens. This could be something like a product change, new payment arrangement, failure of an existing payment arrangement or home move. In these cases, the frequency will be changed automatically. It’s certainly not something an advisor could do.

With your account, as the frequency wasn’t changed until later, we’ll have continued to send monthly bills. If you’ve registered with our website for paperless billing these will have been posted online. The bills will have shown the outstanding balance.

When we share information with Equifax, we give them a true reflection of the status of an account at the time of the share. Where there’s a balance on accounts at the time of the share this will be the information we give. We'll continue to share this as long as there's an outstanding balance on accounts. Customers are given 44 days to pay bills before information is shared with a credit agency.

Not much help to you now I know but, for the benefit of others, thought I’d mention an online tool available to those registered with our website where bills can be created by customers themselves. It’s called Real time Billing. By popping in meter readings, customers have the option of seeing the balance they’d result in or actually creating a bill. This helps tailor billing to individual needs.

Sorry we’re unable to help further until the Ombudsman’s finished their investigation but hope the other information’s of interest.

Malc

Salina01 · 4 November 2016 at 11:48AM

I have just had change on my Equifax notification.
Eon have logged a new credit account to my record and it's showing 3 months of default.
This is for outstanding arrears left by my previous tenant on a rental property.
They have already registered a charge on my property through land registry.
This tenant has failed to pay me any rent for years and I have not been able to successfully evict him so he has been staying put.
He has now finally left and have just managed gain control

Salina01 · 4 November 2016 at 11:56AM

I have previously kept Eon informed of the situation and have asked them to disconnect the supply to stop them from using it.
Nevertheless, I had only discovered the charge by chance when I extended the lease.
Again I contacted Eon to explain the situation, but also that I wasn't served any thing regards to the charge.
I was told to prove that the tenant lives there.
With no access to the property, I could not obtain any proof other than my original tenancy agreement.
And now this. A default.
I have never opened an account with them, never signed up to any terms with them, never received any notices from them.
The fact is this is not my debt so surely Eon should chase the tenant and not me.
How can I get these removed?

MABLE · 4 November 2016 at 1:52PM

E.ON_Company_Representative:_Malc wrote: »

Hi guys

Just to confirm, we do share information with the Credit Reference Agency, Equifax.

This is to help us assess credit risk more accurately and keep debt to a minimum.

There's more details on our website in the section 'use of your personal data.'

Malc

Malc,

If thats the case they report to Equifax they will see I am a pillar of society and I have no problems them doing it at all.

Eon Reporting To Equifax

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