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Graemzee

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Everything posted by Graemzee

  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
  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 an
  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 apprec
  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 of
  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 o
  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
  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
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