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hi
can anybody help me please, my wife manages a few catalogues in my name, but we noticed some late payment records registered with the credit reference agencies.
after several phone calls, it became apparent that the payments were made on time,but due to bank clearing they were registered as late.
is there any way i can get them removed as we feel we did nothing wrong and they are unjustified.
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my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
the fact that that we were naive in the first place is not the issue,i understand the clearing protocols now and they wont be a problem.
i started this thread to try and resolve a situation that i felt was unfairly caused by these companies, especially when they regard me as such a good risk that they keep increasing my cl.
i appreciate that you have been with CAG a long time and have probably helped a lot of people, i'll resign myself to not being one of them.
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
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Re: late payment reports
the advantage of being a longterm CAG member is one of recognising that many a new members p'haps shows frustration in a strange but understandable way, it also makes us thick-skinned, it however does not preclude me not helping what ever you say....
sadly though, in this instance there appears they have done nothing wrong, i would also not worry too much about late payment markers, they do little to affect your cra scoring. pers i would be looking elsewhere if your score is that low.
now, back to the dates issue.......
when did you instigate payment and when did they get it?. we need to check everyone is playing fair here
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
thanks for coming back to me, i was hoping you would.
the 4 late payments in question were all sent before the payment due date but all arrived with the companies in question a day or two after the due date
the real reason i would like to get them removed is that for several years now i have been striving to keep my nose clean, to amend the very poor status i had previously created.
the only adverse data on my file until these late payment markers was a default, which due to the 6 year rule is due to come off this September, can you imagine how i felt when these appeared, especially as we thought we'd payed them on time.
being self employed i need as clean a credit history as possible to get a mortgage and thought these might get in the way.
thanks for reassuring me that they have little impact, that is a weight off my mind,
i wondered if these companies have the ability to remove these markers, if so i could possibly bargain with them (would they rather i cleared the bill and shopped somewhere else (my wife i mean lol).
any way thanks again for coming back to me and i'm sorry my first reply was so rude.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
late payment reports
, it became apparent that the payments were made on time,but due to bank clearing they were registered as late.
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Re: late payment reports
