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Graemzee

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About Graemzee

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  1. I purchased a renault scenic almost 3 years ago. in january this year I had paid almost half the payments and decided to change my car. I made contact with RFS who apprised me of the process to terminate my agreement and I had to pay about £50-£60 to take my payments up to exactly half, this payment was made by switch. The whole process went very well and RFS even picked up my car. After cancelling my HP agreement i noticed that my credit report was not changing, in fact it still shows a balance of over two thousand pounds still to pay to RFS. I telephoned RFS to query this and I think i must have got the company idiot who could at best be described as useless, but anyway, what he told me was that my account had been defaulted and that i was owe over £600. where he got this figure from i have no idea. he could not explain why my account was defaulted or why RFS had not made contact with me prior to defaulting my account and updating my credit report or why I owed £600, when i asked to speak with a supervisor he put me on hold and then hung up!. I then wrote a letter to RFS explaining what had happened and asked that they update my credit file to show that my account has been fully settled. That was over a month ago and I have still not had any reply from RFS who have still not updated my credit report either. am at a bit of a loss how best to proceed from here. basically i excercised my right under the HP agreement to voluntary terminate after half payments were made and now I am in the position where RFS wont communicate with me or update my credit report. can anyone suggest where I should go from here?
  2. I purchased a renault scenic almost 3 years ago. in january this year I had paid almost half the payments and decided to change my car. I made contact with RFS who apprised me of the process to terminate my agreement and I had to pay about £50-£60 to take my payments up to exactly half, this payment was made by switch. The whole process went very well and RFS even picked up my car. After cancelling my HP agreement i noticed that my credit report was not changing, in fact it still shows a balance of over two thousand pounds still to pay to RFS. I telephoned RFS to query this and I think i must have got the company idiot who could at best be described as useless, but anyway, what he told me was that my account had been defaulted and that i was owe over £600. where he got this figure from i have no idea. he could not explain why my account was defaulted or why RFS had not made contact with me prior to defaulting my account and updating my credit report. I then wrote a letter to RFS explaining what had happened and asked that they update my credit file to show that my account has been fully settled. That was over a month ago and I have still not had any reply from RFS who have still not updated my credit report either. I am at a bit of a loss how best to proceed from here. basically i excercised my right under the HP agreement to terminate after half payments were made and now I am in the position where RFS wont communicate with me or update my credit report. can anyone suggest where I should go from here?
  3. I spoke with IF and got put through to their credit control dept in edinburgh. They advised that it was a mistake on their part and advised me to send me a copy of the relevant part of my credit report and they would amend it. I have now done this and requested that they reply in writing once the loan has been settled and my credit report updated. We will see how quick they are to respond and I will post an update
  4. Thanks, that makes sense, my credit report shows that i have made 6 late payments, where that figure comes from i have no idea as it was settled 14 months ago, however it is now close to being defaulted. the thing that annoys me is that they have never asked for the £1 and I actually dispute that i owe this meger sum, however the fact that my credit report shows all these failures to pay on my behalf is really annoying. I will get in touch with IF after the new year. Thanks for your help
  5. Thanks, its not the amount that seems to be the problem it is the fact that my credit report shows me having failed to make payments to the loan whis is affecting my credit rating. I have correspondance from IF with my settlement figure which i paid, but yet there is still £1 in the account, I have never been asked for this £1 or for payment. Surely IF must have to amend my credit file when i have done everything I needed to do?
  6. I recently obtained online access to my credit report, I did this after being refused credit for a 0% interest loan. When refused I was totally shocked as I believed I had a very good credit history. When Iread my file I saw that a loan I had with IF, which I settled in October 2005, was showing as still being current and that I still owed £1 and had not made any payments on the loan for over a year. This has obviously greatly affected my credit history. Can anyone give me advice on how I should go about resolving this, I was just going to write a letter to IF, but would appreciate any advice on a more effective way to deal with this. Thanks
  7. My phone actually got barred today, I hadn't paid my bill for 4 months as they bills were all wrong, I had been in weekly contact ith them chasing them up to sort out the problem, every month promising that it would be sorted and my re-calculated bill would be sent out to me. And as I say today, when I still haven't received my proper bill they BAR my f'ing phone! I got it sorted but once gain it just highlights the major hassle some of these large organisations cause us customers, those who they claim to provide 'excellent customer service' too! In reply to your post about Orange offering you something similar, i stuck to my guns and demanded that they give me my original service plan, which they assure me that they have done - 500 minutes to any network, 1750 text messages and my wireles broadband and my phone all for £30 per month. I thought it was a fab deal at the time but after all the hassle I am begining to wonder!!
  8. My phone actually got barred today, I hadn't paid my bill for 4 months as they bills were all wrong, I had been in weekly contact ith them chasing them up to sort out the problem, every month promising that it would be sorted and my re-calculated bill would be sent out to me. And as I say today, when I still haven't received my proper bill they BAR my f'ing phone! I got it sorted but once gain it just highlights the major hassle some of these large organisations cause us customers, those who they claim to provide 'excellent customer service' too! In reply to your post about Orange offering you something similar, i stuck to my guns and demanded that they give me my original service plan, which they assure me that they have done - 500 minutes to any network, 1750 text messages and my wireles broadband and my phone all for £30 per month. I thought it was a fab deal at the time but after all the hassle I am begining to wonder!!
  9. Thank you for that, i will see how I get on, they actually phoned me today after I had made a number of calls. once again they have assured me that they will rectiy the problem and have my bills re-calculated in my next statement, due in November. i have heard all of this for months now!
  10. No nothing has been done in writing. Just phone calls.
  11. It was with Orange direct. I have likewise found them to be very good with customer service issues (previous to this!), and have been with them for 6 years, however what has happened this time beggers belief.
  12. Hi, I wonder if anyone can give me some advice on how to further progress the problems I am having with my mobile phone network, Orange. The problem, in a nut shell, is that in June this year I upgraded my phone at the end of its previous contract taking advantage of an advert I saw in the national press. The upgrade went through no problem and I received my shiny new phone the next day. One month later my first bill arrived and it did not in any way reflect the contract which I had agreed with Orange. I contacted Orange and they assured me that my bill would be re-calculated. I did not pay this bill until it was. The next month, once again I was on the wrong tariff and my previous bill had not been re-calculated and I was now due two months at a contract I had never agreed to. Once again I contacted Orange and once again they apologised, however on this occasion they advised they could not give me the contract I had agreed, which was advertised in the national press, as it was no longer on their computer systems. It was like a scene from Little Britain - 'Computer says No!’ Anyway, without boring you, I have been in constant telephone communication with Orange to try and sort this out. I have told them that I no longer want my phone and they can have it back and terminate the contract. They advised that I would have to buy out of the contract however my argument was that Orange have never supplied me with the product which I contractually agreed to. The recent communications I have had with them involved me getting a back dated copy of the national newspaper advert to prove the deal I had requested did actually exist as they didn't believe me! I was able to do this at a further cost to myself. I still have not paid any of the bills, as Orange, despite all of their previous promises to re-calculate my bill onto the correct tariff, have failed to do so. I am now at the stage that I am really frustrated and don't know the best way to go from here, I would ideally like to get the contract I agreed to and my bills all re-calculated, however I am now at the point of just wanting to tell orange to stuff it and cancel everything! Anyone got any good advice?
  13. Hi, I wonder if anyone can give me some advice on how to further progress the problems I am having with my mobile phone network, Orange. The problem, in a nut shell, is that in June this year I upgraded my phone at the end of its previous contract taking advantage of an advert I saw in the national press. The upgrade went through no problem and I received my shiny new phone the next day. One month later my first bill arrived and it did not in any way reflect the contract which I had agreed with Orange. I contacted Orange and they assured me that my bill would be re-calculated. I did not pay this bill until it was. The next month, once again I was on the wrong tariff and my previous bill had not been re-calculated and I was now due two months at a contract I had never agreed to. Once again I contacted Orange and once again they apologised, however on this occasion they advised they could not give me the contract I had agreed, which was advertised in the national press, as it was no longer on their computer systems. It was like a scene from Little Britain - 'Computer says No!’ Anyway, without boring you, I have been in constant telephone communication with Orange to try and sort this out. I have told them that I no longer want my phone and they can have it back and terminate the contract. They advised that I would have to buy out of the contract however my argument was that Orange have never supplied me with the product which I contractually agreed to. The recent communications I have had with them involved me getting a back dated copy of the national newspaper advert to prove the deal I had requested did actually exist as they didn't believe me! I was able to do this at a further cost to myself. I still have not paid any of the bills, as Orange, despite all of their previous promises to re-calculate my bill onto the correct tariff, have failed to do so. I am now at the stage that I am really frustrated and don't know the best way to go from here, I would ideally like to get the contract I agreed to and my bills all re-calculated, however I am now at the point of just wanting to tell orange to stuff it and cancel everything! Anyone got any good advice?
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