Bad Credit History - But I Paid!

[Stephensons]

Hi,

I've got one credit card, that had about £125 on it, which I paid off in 2 payments the last one being in January.

 

The other week, after applying for a different type of card I was told I was refused because I had a bad credit history and had £113 outstanding on my card.

I phoned my bank (the credit card one) and they said, no problem it was all paid off and that the payment was just taking time to go through.

I thought it was stupid, I'd paid at the beginning of January and this was middle of Feb.

I was then advised to do a credit reference search, which I did.

I was gobsmacked to see that it showed I owed this money and said I'd only made 1 payment of £5 over a, now, 5 month period.

It also had a discrepency on the outstanding balance. One month it was over £400 (which I'd never had) and the next it was £113 despite the fact no payment was recorded.

 

I originally complained to the FSO about the 1st payment that hadn't been recorded and the other stuff I've discovered since. The bank made a fuss, I had to screenshot all the stuff and send it to them and they are supposed to be sorting out - when, I honestly don't know.

The problem is that I now have a bad credit rating and I don't even owe anyone anything.

 

Any advice because this is driving me crazy?

[citizenB]

You should be complaining to the Information Commissioner, not the Financial Omubdsman !

[havinastella]

Which credit card is this?

[Stephensons]

I've never heard of the Information Commissioner - but I'll look it up.

 

It's a Lloyds card.

[havinastella]

You need to stay off the phone and put everything in writing.

 

You need to hear it 'Formal complaint' and make sure you send it to the correct department.

 

They you sue them for damages.

[BRIGADIER2JCS]

My guess is this is not BAD credit history BUT NO credit history which is always as much of a problem!!

 

Couplled with the erros, the Data Controller at Lloyds is the person to complan to.