VIC Hidden Defaults with Simply Energy Affecting my Future Credit

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Christina

Member
28 July 2014
1
0
1
I am currently with Simply Energy and when I applied for a credit card I was told I had bad credit when they did a credit check. When I followed this up with Dun and Bradstreet (D&B), I found the defaults were with Simply Energy. I called to address the default and was told I had not just the one found by D&B in 2013 but another that was in 2012!

When I requested the overdue invoice, I was told it could not be provided. I was given an amount payable and account number attached. So now I must pay these overdue accounts only because someone over the phone said I owe them, and my defaults will be updated to "paid", thusly, remaining on my credit until 2018! Is this legal because it sure ain't fair? Now I have to think about debt consolidation.

What can I do if I new to apply for credit in the mean time and how can Simply Energy continue to keep me as they have without notifying me of these previous defaults even tho I have provided my updated information and remained a customer?

Hope to hear some helpful advice soon. Stuck between a rock and a hard place, because I was simply uninformed and unaware, for another 4 years.
 

John R

Well-Known Member
14 April 2014
689
173
2,394
Sydney
Hi Christina,
You should consider:
  1. writing/emailing Simply Energy to request proof/verification of the debt and the steps that Simply Energy took to notify you of the debt/s;
  2. if this is unsuccessful, complain to the Energy and Water Ombudsman of Victoria (EWOV);
  3. if the debt is verified, you should repay the debt but insist that the default is removed from your credit file/report as a condition of resolving your complaint (in contrast to the default simply being marked as paid or fixed).
Hope this helps. Please keep us updated.

Further information:
 
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