So npower have put some false non-payment claims on my account. How do I know they're false? - I pay by direct debit. Generally not a huge problem however it shows up on my credit report so I have been declined for mortgages. Luckily my mortgage adviser is amazing and managed to talk to the provider to get it though, however I may not be so lucky for the next thing I need a credit report for. They're currently playing the "sorry it's taking so long, but here's a number you can call so someone can tell you over the phone sorry it's taking so long" card.