Few details: My husband and I are saving for a house, currently renting and not looking to buy urgently, maybe in 5 or 10 years. I have always had a great credit score, never missed any kind of payment.
I'm in a battle with my current electricity supplier. Ive over paid by £700, I dont want to go into all the details but basically they keep promising to give it back but havent. Anyway I cancelled my direct debit with them this week and I'm using proper channels to lodge a complaint and get my money back. I've also switched suppliers.
There is small print that I will be charged for cancelling my DD, even though there is way more then enough in my acc to cover electricity for 7months atleast.
I havent been charged right now and hope the switch will have happened before they try to charge again. But regardless I will be fighting them all the way to court if needs be. I've had enough of the poor service from them.
My husband isnt one to make a fuss, in his mind I should pay another £100 DD to avoid and scene and hope that they give me our money back without me continuing to "harass" them (its been 4m since I first asked for it back).
Dh is now saying I've probably scuppered my chances of getting a mortgage in the future and my credit rating will fall through the floor. Hes disappointed in me. Is this likely to happen?
Hes so laid back about the fact this company is holding so much of our money and wants to keep taking more. Imo even if things didnt go my way this is one blip on years of never missing any kind of payment and I also have another 5 years to improve my credit rating again before we look at a mortgage.