Page 1 of 2 12 LastLast
Results 1 to 10 of 13

Thread: they f**ked up my credit history

  
  1. #1
    Status
    Offline
    Mordoklej's Avatar
    AOC Obsessed
    Join Date
    Feb 2007
    Posts
    2,738
    Mentioned in
    0 Post(s)
    Quoted
    5 Post(s)

    Angry they f**ked up my credit history

    Damn Barclaycard. They f**ked up my clean record.. On 8 Dec they set up Direct Debit on my account to take money every month. I was supposed to pay £8 on 30 Dec, I thought DD was set up so no worries.. Today I got a letter that I didn't pay money to them!! All those years of clean record and now they did it to me!

    I'm so upset, I need to say it to someone..
    FAMILY SHED: VAUXHALL ASTRA 2.2 SRI
    ROAD MISSLE: HONDA CBR1000RR FIREBLADE
    TRACK MISSLE: none

  2. #2
    Status
    Offline
    jam's Avatar
    AOC Gold Member
    Join Date
    Apr 2005
    Location
    Tamworth, Staffordshire
    Posts
    11,695
    Mentioned in
    0 Post(s)
    Quoted
    0 Post(s)
    Follow jam On Twitter
    Don't worry 1 missed payment won't kill your record at all. Just pay up and relax. Your credit score will be fine.

    jam
    Its a jam thing

    Haec credam a deo pio, a deo justo, a deo scito?



  3. #3
    Status
    Offline
    Mordoklej's Avatar
    AOC Obsessed
    Join Date
    Feb 2007
    Posts
    2,738
    Mentioned in
    0 Post(s)
    Quoted
    5 Post(s)
    I hope you're right...

    But if they ask me to pay any late payment charges I'll kill someone there
    FAMILY SHED: VAUXHALL ASTRA 2.2 SRI
    ROAD MISSLE: HONDA CBR1000RR FIREBLADE
    TRACK MISSLE: none

  4. #4
    Status
    Offline
    jam's Avatar
    AOC Gold Member
    Join Date
    Apr 2005
    Location
    Tamworth, Staffordshire
    Posts
    11,695
    Mentioned in
    0 Post(s)
    Quoted
    0 Post(s)
    Follow jam On Twitter
    My misses works for Llyods TSB and she says it maybe noted but it won't actually affect your credit score. Failure to pay 3-4 times will go on your file and will affect your credit rating. So relax.

    Plus if you ever went to get credit and they questioned it... its £8 no ones gonna be bothered about it especially if your credit goes unblemished from now until then.

    jam
    Its a jam thing

    Haec credam a deo pio, a deo justo, a deo scito?



  5. #5
    Status
    Offline
    Sten's Avatar
    AOC Obsessed
    Join Date
    May 2003
    Location
    Paisley ,
    Posts
    16,452
    Mentioned in
    0 Post(s)
    Quoted
    0 Post(s)
    pmsl, if 1 missed DD effected things - I'd have been screwed a long time ago! Don't worry about it - people miss DD's all the time.
    Previous Astras: 1994 Cesaro 1.8 16v | 2002 SXi 1.6 16v | 2001 Coupé 2.0 Turbo | 1999 LS 1.6 16v
    Other Vauxhalls: 2001 Vectra 1.8 16v| 2003 Vectra GSi 3.2 V6 | 2005 Signum CDTi 150

  6. #6
    Status
    Offline
    Skell18's Avatar
    AOC Obsessed
    Join Date
    Nov 2007
    Posts
    1,159
    Mentioned in
    0 Post(s)
    Quoted
    0 Post(s)
    Don't worry about it, I missed payments all the time when i was younger and 1 missed payment won't effect you at all. Just takes a few years of making payments and clearing cards then your ok again, worked with me but I do wish I hadn't been so wishy washy when i was younger but all repaired now. Just pay it and if they charge you tell them it was their fault and you thought it was all sorted and they will prob reverse the charge as a gesture of goodwill.

  7. #7
    Status
    Offline
    RoyalWithCheez's Avatar
    AOC Obsessed
    Join Date
    Sep 2005
    Posts
    5,246
    Mentioned in
    0 Post(s)
    Quoted
    0 Post(s)
    If youre worried send a letter of complaint to your bank about them ****ing up your DD payment and keep a copy, that way if you do get questioned on it you can show them/refer to that correspondance.

  8. #8
    Status
    Offline
    Mordoklej's Avatar
    AOC Obsessed
    Join Date
    Feb 2007
    Posts
    2,738
    Mentioned in
    0 Post(s)
    Quoted
    5 Post(s)
    I rang them again.. I won't pay a penny...
    However they say that they cannot do much about my record and "late payment", so if I apply for any credit I'll have "late payment" in my file.. I'm just wondering why they cannot do anything, but the guy couldn't answer to that question (and I was in a hurry so I didn't push him). Maybe I'll ring them again and say that I'd like to speak with manager, I hope he is able to answer to my question.

    And I think I'll send a letter to them with complaint.
    FAMILY SHED: VAUXHALL ASTRA 2.2 SRI
    ROAD MISSLE: HONDA CBR1000RR FIREBLADE
    TRACK MISSLE: none

  9. #9
    Status
    Offline
    lisaclio's Avatar
    AOC Newbie
    Join Date
    Dec 2007
    Posts
    52
    Mentioned in
    0 Post(s)
    Quoted
    0 Post(s)
    if your really worried about it maybe you should get a copy of your credit score, sometimesyou can request to change the information on them

  10. #10
    Status
    Offline
    huffanpuff's Avatar
    AOC Obsessed
    Join Date
    Feb 2006
    Posts
    1,806
    Mentioned in
    0 Post(s)
    Quoted
    0 Post(s)
    could be worse mate i got my Identity stolen 5 year ago, and screwed credit to the tune of 56K, now that takes a fair bit o explaining....
    took 5 yr to clear my name
    My ambition is to live forever,.. so far so good

Page 1 of 2 12 LastLast

Similar Threads

  1. Credit Crunch ????
    By Tricky33 in forum Chit Chat and a Warm Welcome!
    Replies: 16
    Last Post: 21-05-2009, 11:07
  2. How can u remove stuff from you credit history?
    By ForZiE in forum Chit Chat and a Warm Welcome!
    Replies: 22
    Last Post: 07-06-2005, 10:36

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •