British Gas Default

[Never-In-Doubt]

Re: British Gas Default

You're missing the point. It does not matter what you or I think, the standard is 14 days. The fact you changed it was wrong because after a stonking ass-kicking letter you've killed it by demanding a response in an unrealistic timeframe in essence showing them you're not as clued up as the letter suggests as 7 days is never ever used for the reasons I've outlined. It is totally unrealistic.

learn from this. It doesn't matter what you want or think, the fact is 14 days is the norm.....

[A-Owen]

Re: British Gas Default

Thanks for your reply, but I think that 7 days for at least an acknowledgement of the letter is acceptable, I'm not saying I know better than you as i clearly don't, but my current mortgage is up for renewal the beginning of January- Hence why I asked for a response within 7 days, I cannot afford to wait 14 days for a reply from them, I've been waiting since September. That's the only part of the letter that I changed, and I can only thank you all again for your assistance so far.

[Never-In-Doubt]

Re: British Gas Default

I think we will know in the next couple of weeks how likely BG are to remove the unlawful data and resolve it. If they do sort it and then the OP sends in proof that it's been resolved as an error the mortgage should proceed fine.

the time limit is the thing that will cause the OP the most difficulty as we cannot dictate timings, I suggested 14 days as standard (the norm) so until then nothing we can really do regardless. Even though he has changed it to 7 days we simply cannot act that soon, 14 must be given so really until at least 2nd Jan, there won't be mush happening here.....

[PlanB]

Re: British Gas Default

PlanB - no, we never suggest NoC's as that forces manual intervention for all credit applications plus a CRA can refuse to add it.

Fair point. I was mindful of the OP having an outstanding mortgage application and what seems like an urgent need to get this cleaned up so that application can go through. I was thinking that if a NOC went on their CRA file it could help support any review of the application by the lender. A mortgage applicant should be given the right to 'appeal' if an application is declined based on a negative CRA entry rather than a refusal base on insufficient income etc. Mortgage lenders know that the CRAs frequently make erroneous entries. The OP could then have the NOC removed once the mortgage offer has been made.

Although I totally agree with not doing this in normal circumstances when time is not of the essence and the three stages are the way to handle this.

[PlanB]

Re: British Gas Default

I've sent it and given 7 days for a response- I don't have time to wait 14 I'm afraid!

Why don't you have time to wait 14 days? Is this to do with your remortgage application which may have a cut-off point?

[Never-In-Doubt]

Re: British Gas Default

Ok, I've sent it and given 7 days for a response- I don't have time to wait 14 I'm afraid! thanks again for all of your help, I will update as soon as I hear! Everyone keep your fingers crossed!

ooops I do hope you never altered what I typed up - I did it for a reason, you've now left yourself wide open as 7 days is unacceptable and unrealistic hence I gave 14 days which covers the Xmas period.

if we ever type you a template try and keep it as is - there's a reason for it. If unsure ask before sending it.

14 days is acceptable, please check with the writer before changing such important parts next time.

Good luck. Do not reply when he emails back, instead send it me!! Don't get drawn into anything with anyone, it must be done in writing if you want to win this.

Try trusting us, we're pretty good at what we do

[SXGuy]

Re: British Gas Default

hopefully 7 days is fine, however 14 days is considered reasonble to respond in a court of law i believe. Either way, its unlikely they will respond within 7 days. this is the Xmas period.

[A-Owen]

Re: British Gas Default

Ok, I've sent it and given 7 days for a response- I don't have time to wait 14 I'm afraid! thanks again for all of your help, I will update as soon as I hear! Everyone keep your fingers crossed!

[A-Owen]

Re: British Gas Default

Thanks so much! I will send this tomorrow- last hope!!!!
and yes, dual fuel- moral of the story- don't go with BG!!!
will keep you posted- fingers and toes crossed!

[Never-In-Doubt]

Re: British Gas Default

ps When you call your energy supplier, even on a duel fuel tariff they still say your gas will be £x and electric £x meaning a total of £x per month. So they're always treated as separate entities throughout the life cycle however they simplify it by adding them up for you.

Basically

[Never-In-Doubt]

Re: British Gas Default

You know what I've never noticed this anomaly before. Is there a logical or even legal reason why energy providers keep them as separate accounts? I know I pay by two separate direct debits for my gas and electricity but I've never bothered to understand why.

its because technically they have two billing systems - gas and electric.. They merge them for your ease but read a bill where you have dual fuel and you will see it still splits it for you, and billing is the same - due to the way it is charged they treat them as separate entities.

So it makes sense really, although the cynic in me says it is so they can screw us over twice for the price of one!!

But to answer your question, it's all to do with billing. A good reverse-similarity is when you get a loan cum debit card account (preference account) - this is usually added to your CRA as a loan and they omit the bank account element because it is a loan account in essence which literally gives a limit and a card to use that limit with. The reason they don't separate them is because there is no billing discrepancy as it started as a loan account and remains as one, regardless of how they sell it to you, the customer. With energy firms you do have two accounts and thus pay two amounts each month/quarter it's just that for customer ease they add it all up for you and send it as one bill/take one payment. It is always two separate accounts though - don't forget that.

[PlanB]

Re: British Gas Default

dual fuel is still 2 accounts offered as a package.

You know what I've never noticed this anomaly before. Is there a logical or even legal reason why energy providers keep them as separate accounts? I know I pay by two separate direct debits for my gas and electricity but I've never bothered to understand why.

[Never-In-Doubt]

Re: British Gas Default

Even if the customer is on a Dual Fuel tariff? That's not fair

Would that be the same for me with three mobile contracts on one account?

Yea cos dual fuel is still 2 accounts offered as a package.

No to mobiles. They're based on per account - you have multiple handsets on one account.

you could get defaulted for each bill, in terms of mobiles. So one bill means one default.

[PlanB]

Re: British Gas Default

Gas = 1 account / Electric = 2nd account

its normal for utilities to split accounts once in arrears.

Even if the customer is on a Dual Fuel tariff? That's not fair

Would that be the same for me with three mobile contracts on one account with different start/end dates?

[Never-In-Doubt]

Re: British Gas Default

Gas = 1 account / Electric = 2nd account

its normal for utilities to split accounts once in arrears.