Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Liz89
    • By Liz89 12th Oct 18, 6:52 PM
    • 2Posts
    • 0Thanks
    Liz89
    Delinquent Energy Account - Old Address
    • #1
    • 12th Oct 18, 6:52 PM
    Delinquent Energy Account - Old Address 12th Oct 18 at 6:52 PM
    Hi all

    Hoping you can help me please...

    I moved out of a property I owned in December 2015 due to a split with an ex-partner. The agreement was that we would both pay the mortgage, but he would take full responsibility for the household bills as he was still living there.

    In February 2018 I checked my credit report (as I have done every month since I was around 18!! ) and a delinquent account had appeared from Ovo for an energy debt (£235) owed from January 2017 - March 2017.

    Ovo had no forwarding details for me so hadnít been able to contact me, had passed the debt on to a collection agency who also hadnít made any contact with me. Needless to say my ex hadnít bothered to tell me either!

    I called Ovo straight away and explained the situation and paid the debt, however it is still showing as delinquent and seriously effecting my credit score.

    I have asked Experian to add a notice of correction to explain the situation, there are a limited number of characters and Experian have strict guidelines as to what I can and cannot say, it doesnít feel like a true reflection of the situation.

    I have also written a ďgood willĒ letter to Ovo again explaining the situation, however they are saying it can not be removed.

    Is there anything more I can do? 3 months and £235 outstanding debt isnt a true reflection of my credit worthiness. I have numerous other credit agreements that have been settled in the agreed manner or are currently being paid on time. Iím currently saving to buy a house on my own and this is making it nigh on impossible!!

    Any help and advice is much appreciated.

    Thank you!!
Page 1
    • Gary_Dexter
    • By Gary_Dexter 12th Oct 18, 7:35 PM
    • 2,373 Posts
    • 1,328 Thanks
    Gary_Dexter
    • #2
    • 12th Oct 18, 7:35 PM
    • #2
    • 12th Oct 18, 7:35 PM
    Whose name was the energy account under? It must have been yours because they can’t have gotten it from anywhere else.

    Unfortunately it is a true representation of what happened with the account so it’s unlikely they’ll remove any default or payment markers from the account.

    You can try the route of making an official complaint but don’t expect a positive result from that either.

    Ignore your score as well it’s only the data on your file a lender sees and cares about
    • D_M_E
    • By D_M_E 12th Oct 18, 8:45 PM
    • 1,891 Posts
    • 66,464 Thanks
    D_M_E
    • #3
    • 12th Oct 18, 8:45 PM
    • #3
    • 12th Oct 18, 8:45 PM
    You say you moved out in 2015, and that the bill relates to a period in 2017.

    Who paid the bills between 2015 and 2017?

    Was the original energy account in 2015 in your name?

    Did you inform the energy company in 2015 that you were leaving the property and therefore were no longer responsible for energy used from that point onwards?

    If so, why did you pay a bill which was obviously not yours?

    Is there anything else which you need to check which relates to the period where you were living in 2015 which may crop up and cause more problems?
    • Liz89
    • By Liz89 13th Oct 18, 8:04 AM
    • 2 Posts
    • 0 Thanks
    Liz89
    • #4
    • 13th Oct 18, 8:04 AM
    • #4
    • 13th Oct 18, 8:04 AM
    It was under both names.

    What do you mean by ignore your score its the only data a lender sees and cares about?

    Thanks
    • Gary_Dexter
    • By Gary_Dexter 13th Oct 18, 9:07 AM
    • 2,373 Posts
    • 1,328 Thanks
    Gary_Dexter
    • #5
    • 13th Oct 18, 9:07 AM
    • #5
    • 13th Oct 18, 9:07 AM
    Ok. So you are responsible for the debt then if it’s under both names.

    When you moved out did you not contact Ovo to remove you name from the accounts?

    You mentioned it was affecting your credit score - it’s not as your score isn’t real
    • robber2
    • By robber2 13th Oct 18, 11:49 AM
    • 361 Posts
    • 302 Thanks
    robber2
    • #6
    • 13th Oct 18, 11:49 AM
    • #6
    • 13th Oct 18, 11:49 AM

    What do you mean by ignore your score its the only data a lender sees and cares about?

    Thanks
    Originally posted by Liz89

    Wrong, its the one thing a lender does NOT see. Its a made up number. Just hope you are not paying any of the CRAs to supply this info to you



    Rob
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,255Posts Today

7,238Users online

Martin's Twitter