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Credit Rating

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  • #1

    Credit Rating

    Hi all

    Apologies if this has already been asked on here, I’m new to all this. Can a finance company put a mark on your credit file before taking you to court? I’m disputing charges that Alphera Finance/BMW Finance have invoiced me for, and they’ve just sent their final letter saying they disagree so won’t lower the charges. I will be taking it to the financial ombudsman and if needed I will go to court if they request that. But I want to know if they can put anything on my credit file and if I can prevent this happening. I don’t know if they would take me to court over this but I’m not going to pay because the charges are unreasonable.

    thanks
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  • #2
    In my view, the answer is no but the only way you are going to get any real success is to take them to court.

    Nobody has yet done so.
    If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. Please do not hijack another person's thread as I will not respond to you
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    Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice.

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