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Welcome ruined my credit score


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Hi All,

 

Some advice please, I have a loan with these people and have been paying it since 2008 and will probably continue to pay for the rest of my life with there crazy unreasonable and somewhat illusive way there interest works.

Anyway, despite that gripe I am now worried that they are destroying my credit score. I missed a payment in 2008 since then every month despite not missing any further I have a 4 on each month of equifax, this has gone on since 2008. I also arranged with them for part payment and a freeze on interest - this also went on my credit score as missed payments (they didnt even freeze my interest like they said they would, luckily I noticed and they had no choice but to refund me for the 6 months - £2000 interest they credited me back)

What can I do???

 

Grrr - absolute vultures why oh why in this modern age arnt these people being properly governed.

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Is there any Payment Protection Insurance attached to the loan, which could possibly have been mis sold ?

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Is there any Payment Protection Insurance attached to the loan, which could possibly have been mis sold ?

 

I've asked them on several occasions and they insist there isn't, I don't believe them though. SRS already drafted

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