Just a quick update. Had a phone call from the FOS this afternoon. they have assigned an adjudicator to my complaint today, however the person who they have to deal with at Welcome Finance is on holiday! Typical! Will continue to keep the post updated.

So, have today lodged a complaint with the FOS. I will keep the post updated as to the progress of my complaint as and when i hear!

d_fens, can't be 100% sure when they stopped reporting.

Shocked in a good or bad way, postggj?

Major Player, many thanks for the reply and warm Welcome! I am very interested in your response, it has put into very descriptive terms the points that i want to make sure i get across when i complain to the FOS. The term 'Account Manipulation' is not one that i have heard before, could you possibly point me in the right direction to learn more? I will, of course, keep you updated as things develop. Thank you for your time!

Having a bit of a problem with Welcome Finance as it appears most people do! Hope i'm in the right place to ask this question. Have a Hire Purchase Account with them, the account is near conclusion and i have never missed any payments. The account at inception was being reported to the Credit Reference Agencies Experian, Equifax & Call Credit (I obtain a copy of my report via Experian on a bimonthly basis) and was therfore appearing on my Credit File. Around a year into the running of the account this information stopped appearing on my credit file. I have contacted Welcome Finance in relation to the above and have received a rather unhelpful Final Response Stating it has Rejected the Complaint I don't remember actually complaining in the first place, only asking for help, and saying it is still reporting the file to all 3 credit reference agencies. I intend to make a complaint via the Financial Ombudsman Service if only to serve some slight inconvenience to Welcome Finance. The account is still not being reported on my credit file Not at all helpful as i require this account to be reported on my credit file as it was helping to repair my credit score My question relates to the wording of my complaint when i approach the Financial Ombudsman Service In it's Final Response Welcome Finance states ' Welcome Finance is obliged to report account information on a monthly basis' Is this true, and if so which act/section makes it a requirement? I have been searching all day with no joy! I would also appreciate any ideas on the best way to word the complaint to the Financial Ombudsman Service My goal is to have this account, again reported on my credit file. I hope i have made sense and would really appreciate any assistance.