Provident personal credit - deliquent account on credit file

[dantripled]

I had a provident door stop loan, which I fell behind with by approx £20/week..

 

 

After speaking with my agent, I was assured I could catch up gradually and it would be fine

i.e. no damage to credit etc.. etc.. (stupidly, never got this in writing).

 

I was offered another loan from my agent, which I took and used to pay off the existing one, which was in arears

and was left with minimal cash, which i was grateful of at the time.

 

 

I kept up to date (and this loan was cleared back in 2013).

 

 

However, i have checked my file and the original loan, which was in arrears is showing as a deliquent account.

I rang provodent and they say there is nothing they can do.

 

Does anyone have any helpful tips or ways to suggest how I could get this information removed??

 

 

Thanks in advance

[maroondevo52]

Hi,

 

If the information was placed on your file correctly I can't see you getting it removed, not sure what the score was with your agent saying it would cause no damage to your file.

[dx100uk]

what do you mean by delinquent?

 

 

if you mean you have a default but the sloan is settled

ot late markers

 

 

if you defaulted etc

those will be there for 6yrs regardless to if the loan was paid off

 

 

dx

[dantripled]

it never got to default so when i spoke to credit expert they said it means deliquent (it has a red exclamation mark at side of account) this means payments are anything from 1-5 months late but can be just as damaging

[citizenB]

It would appear to me that your provi agent has misled you. Suggest you make an official complaint to the Provident Head office.

[dantripled]

Just in the process of writing a letter thanks very much.

 

Also, in the past when we've struggled financially, myself and my partner have resorted to pay day loans,

which might I add were always paid back on time,

 

 

sometimes via rollover but mostly just outright.

 

 

These date back to 2010/2011,

however when checking my credit file,

quick quid have all of a sudden added 7 new pay day loan accounts to my file,

all dating back to 2010/2011,

all green and satisfied... but why now???

 

 

Can they do that so late in the day and is there any way of getting these removed

so I can disassociate myself from such companies now I am in a much more stable position financially

[dx100uk]

go see what noddle says too

 

 

see below

 

 

dx