Welcome Finance Voluntary Termed still reporting to credit file help please

[topaydabills]

Hello there,

 

Would be really grateful if anyone could offer some advice please regarding Welcome Finance.

 

I Voluntary Terminated and agreement for vehicle finance back in February 2009, all above board paid more than 50%, they collected the car etc etc.

 

They claimed i still owed £465.83 and they had "reduced" the agreement down to reflect this value.

 

Since then i have had various battles with them regarding the outstanding balance they claim i owe which is for the balance on the Gap insurance and amounts charged for damaged on the car which was already there when i bought the car.

 

Having recently checked my credit report as i got rejected for a loan, Welcome Finance have very kindly been continually reporting since Feb 2009 as late payments on the credit agreement which has been voluntarily terminated. They have so far registered 32 number 6 payment records and continue to do so.

 

This is the only poor credit reference i have and it does not truly reflect my credit status and is stopping me from getting credit i am entitled to.

 

My question at the end of all this is, how or even can i get them to put my credit file correct as it was voluntary terminated above board and the remaining balance for damage and gap insurance has been under query ever since.

 

Any help or advice whatsoever would be really really appreciated.

 

Thanks in advance