Yep every other piece of credit I have is fully up to date and showing no flags.

I am sure it is provident causing the damage to the score, as I said I havnt picked up on this for a year roughly now, so for 12 months each month my payments have been reported as late and showing a big fat £0 payment made also, and of course every month thats gone by some of those payments esp the ones just after the arrangment was setup have been getting later and later, some of them are showing as 8-9-10-11 months overdue now because of this error.

its not just a case of missing a single payment, my record is showing as if I hadnt paid a thing to this loan, with multiple late payments, some dragging back months and months. It must be that thats tanking the score. I have looked into this thats how I noticed the error with provident in the first place.

Just awaiting replies now im hopeful as ive also sent evidence to equifax and experian showing the payments have been made without fail of the £80 monthly, if they say that isnt enough Ill get hold of printed copies of the account statements and send them off by snail mail.

Just an update to this, after refusing to drop it and going on and on at satsuma, even threatening further action after they `again` refused my request to change the info via experian and equifax`s dispute system I finally today received a reply containing the following:

` I have reviewed the information we have shared with the Credit Reference Agencies. I am aware your credit file has not been updated to reflect your payment arrangement and we have reported your account as in sustained arrears with no arrangement. I would like to apologise for this error and any distress and inconvenience we may have caused you.`

They're updating the credit reference agencies and they even offered me a token £30 compensation.

I do have the option to take it further with the Financial Ombudsman Service as long as I do so within 6 months of the email.

To be honest im tempted to,

yes I appreciate my file will now be being updated with the correct info but you know what? these guys have really made it hard to sort this out, this has been going on for ages now and they've even multiple times refused to update the info when ive put requests in via experian and equifax,

not to mention the small fact that if I hadnt noticed my credit file with them would have been displaying this harmful and totally inaccurate info with no challenge,

not to mention the fact that due to their incompetence this has been sat on my file eating away at my credit rating every month that passed with another missed payment flag for a year or so now.

is £30 enough,

you know ive tried to get credit that would have sorted my affairs out a few times this year and ive been turned down and I cant help but feel if it wasnt for this one file dragging my score down I may not have been unsuccesful.

Im tempted to push for them to write off the rest of the debt entirely or I take it to the ombudsman, I feel thats the least they could do considering theyve had me spend so much time to correct an obvious mistake and their mistake has had such an impact on my credit rating for over a year.

what would the advice be here? should I threaten to take it further and see what they offer me?

make them properly default it from the right date

Im determined to get them to at the very least write off the rest of the debt, they have not only trashed my credit rating for an entire year, but they have 3 times refused to alter the information when requested, the first time I noticed this was back in october 2017 when the first complaint was made and rejected, it took 3 further complaints being rejected, and finally me threatening to take legal action to get them to admit they cocked my file up on this.

a years worth of missed payment flags and arrears wrongly? multiple times complaints rejected wrongly? yeah thats worth more then a token £30 to me!

Of course the wrong data being present on the file and the consequences for me in terms of my credit rating have annoyed me.....but whats really annoyed me is the fact it took right up to a threat of legal action for them to admit they were in the wrong, even to the point of them activly refusing to change the data claiming it was accurate when requested change through credit ref agencies dispute systems.

An honest mistake is an honest mistake. But then lying and accusing me of being in the wrong when I knew I wasnt? Thats unacceptable. im going to the ombudsman I think, gonna see what more I can get out of this in terms of compensation.

30 quid, because they know it could potentially be hundreds or more if the ombudsman finds against them. But they know not many people know that.

I've just referred the complaint to the ombudsman so we'll see what happens.