Ask a Law Question, Get an Answer ASAP!
Hi thanks for your question.
My name is XXXXX XXXXX I can help with this.
Yes, this is a form of defamation of character.
The courts have repeatedly recognised that a man's credit file, particularly in this day and age, is of considerable importance to him.
They are held, on numerous occasions, that inaccurate reporting is actionable on the part of the credit file owner.
You have a number of options about how to address this.
You could make a formal complaint to the energy ombudsman, having exhausted Npower's dispute resolution procedures.
This is not necessarily the quickest way of resolving the matter, but it is perhaps the easiest, as the ombudsman will do a lot of the investigation work for you.
Alternatively, you could issue proceedings against Npower in the County Court, seeking compensation and a declaration that you are on the right, and that they were wrong to report in the way that they did on your credit file.
The court is probably quicker than the ombudsman at this time.
However, if you pursue this through the ombudsman, you would effectively have two chances of getting this put right and obtaining compensation. If the ombudsman ruled against you (from what you have said, I cannot see that he would) then you could try again in the County Court. If you issue proceedings at court, you will not be able to use the ombudsman.
Are you there?