Hello my name is ***** ***** I will help you with this.
Can you confirm there are missed payments or defaults on your credit file because of Npower please Mark?
Yes i believe there must be
You need to check first.
I would go to www.creditexpert.co.uk
Get a report as it should be free
Unless they have a Court Judgment against you they are unlikely to have any adverse credit.
If there is not, then you are all good and can continue with your life.
At that point you just need to complain to the Ombudsman at:
But I will outline the process if there is adverse credit.
You need to write and formally ask that they amend within 14 days or say you will take the matter to Court.
If they refuse then you need to issue proceedings using form N208
The letter i recieved today says they can gain entry to my property in the next 7 days
The Data Protection Act says:
(1)If a court is satisfied on the application of a data subject that personal data of which the applicant is the subject are inaccurate, the court may order the data controller to rectify, block, erase or destroy those data and any other personal data in respect of which he is the data controller and which contain an expression of opinion which appears to the court to be based on the inaccurate data.
The Court will consider what you have to say and then instruct that they amend your credit file within 14 days
The Act also states:
(1)An individual who suffers damage by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that damage.
They need a Court order to enter the property and if they dont have one, you can attend Court and object.
You would be notified of any Court date and can go alone
Can I clarify anything for you about this today please?
It is not the credit rating thats really bothering me, its the fact that they havent taken any responsability for the debt thats mounted up and have ignored all my efforts to resolve it.
Indeed. Then you should write formally and complain and go to the Ombudsman
But you cant go to the Ombudsman until you have had a formal final response from Npower
Does that clarify?
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