Ruined Credit rating - thanks EON

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Comments

  • racyguy
    racyguy Online Community Member Posts: 560 Empowering
    woodbine said:

    poppy123456 said:
    Utility bills don't usually appear on your credit reports—unless you fail to pay them.

    there really is no excuse to be rude to someone who is trying to help you no excuse at all
    Rude?? where??
    Utility bills don't usually appear on your credit reports—unless you fail to pay them.
    https://www.experian.com/blogs/ask-experian/can-unpaid-utility-bills-appear-on-your-credit-report/

    Poppy stated the obvious - which is what I already know.
    As for Poppy trying to help, please tell me where in their statement it is meant to help me?

  • poppy123456
    poppy123456 Online Community Member Posts: 64,463 Championing
    racyguy said:
    woodbine said:

    poppy123456 said:
    Utility bills don't usually appear on your credit reports—unless you fail to pay them.

    there really is no excuse to be rude to someone who is trying to help you no excuse at all
    Rude?? where??
    Utility bills don't usually appear on your credit reports—unless you fail to pay them.
    https://www.experian.com/blogs/ask-experian/can-unpaid-utility-bills-appear-on-your-credit-report/

    Poppy stated the obvious - which is what I already know.
    As for Poppy trying to help, please tell me where in their statement it is meant to help me?


    I can't read your mind! Your post sounded like you disagreed with the energy company for doing this to your credit report. I was simply confirming that will do that if you don't pay your bills.
  • racyguy
    racyguy Online Community Member Posts: 560 Empowering
    poppy123456 said:
    racyguy said:

    I can't read your mind! Your post sounded like you disagreed with the energy company for doing this to your credit report. I was simply confirming that will do that if you don't pay your bills.
    Sorry if you took it that way.
    No the opposite I am in agreement with it being recorded.
    It was more the way they did it that annoyed me. The way I see it now - they are not interested in helping me get over the problem so it will make no difference really if I do pay less this month - the credit history is already trashed for the sake of £300 or so.

  • tifo
    tifo Online Community Member Posts: 117 Contributor
    edited October 2022
    Companies don't care about trashing our credit record, they're only interested in being paid. They're not on our side and never have been. There's no reward for loyalty. It's business, they supply a service we pay them, the moment we can't (not their problem) they debt collect.

    Credit ref agencies absolve themselves of all responsibility saying they report what's sent to them. If the firm won't change their entry it's impossible to get it removed. 

    I've many years personal experience in the above.
  • racyguy
    racyguy Online Community Member Posts: 560 Empowering
    Madrokaleb said:
    You need to save money. It is the first place to start. Create a separate account or debit card where you can transfer interest from your salary, part-time work, advance payment, or business profits. How much exactly depends on the level of income and mandatory spending. It must become a habit. Therefore, try to postpone systematically every time, and do not skip or transfer payments. It is important to understand that the recommendations of blogs like Young and Thrifty  are very useful given the global financial crisis, and this should not be ignored.

    I do budget very carefully. But being on a limited income (State Pensioner) more is going out than is coming in. Even the many benefit calculators tell me that our weekly income is approx £100 less than what it should be - but that is another story repeated many times on here. We were not entitled to the £650 COL payment which was a shame
    So, we manage on £100 a week less than what the State says that we should be getting.

    Thankfully I have now not only brought my Council Tax account up to date but since the receipt of the £150 disability COL payment I no longer owe anything for gas or electricity.
    It has been hard, and we have given up on having a lunch, putting the central heating on and no new clothing for the past 6 month.

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