Citroen Contract Motoring Finance - registered default incorrectly ? (Possibly)

[adenjago]

Hi

 

Not been back on this website for a good couple of years (which is obviously a good thing) but recently encountered an issue which has\will threaten to undo all the good work of getting all blemishes issue's of my Credit history... I have a perfect credit score for the past 4-5 years till today.

 

I had a lease car for 3 years (Banque PSA Finance), no payments missed including the last payment, when the car was returned that there was excess mileage and damage to an alloy....for which they then forwarded me an invoiced ..which I assumed could not be added onto the end Agreement and treated like it was an additional Payment.

 

I sent two letters asking to set up an Payment plan (one on the 22/02/16 and one 18/04/16) to which I have had no response

 

After finding that my next account has been suspended due to a change in Credit Circumstances, I logged on to find that on March this year they have registered the account as being defaulted (see image)

 

My issue with this is that my contract was for 35 months from 28/08/12 which means the last payment is on the 27 July 2015 which was paid and from my point of the contract was completed and the Invoice for Damage\mileage they have added onto the account and then saying I have defaulted which I believe should be separate ? therefore negating the Default on my Account ?

 

I know previously with help from this forum I have involved the ICO aa few times that have found in my favor and was wondering if it would be worth contacting them again

docs1.pdf

[adenjago]

Sorry been having issues uploading the files.

 

Ade

 

Sorry, been having problems uploading the Files

BSA_Invioce.pdf

BSA_Agreement_Date.pdf

BSA_outstanding balance..pdf

Citroen 22.02.16.pdf

Citroen 18.04.16.pdf

[dx100uk]

why do you keep uploading..

1. documents that are already in post 1

2. keep leaving your name on them?

 

 

the docs are already done in post 1.

we no longer need them again

 

 

dx

[adenjago]

Sorry, when I login I can only see one document

 

Apoligises .

 

Ade

[dx100uk]

no click it

its a multipage pdf

which is what we wanted you to do by following the upload