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Good evening,
I VT'd my Alphera PCP in May 2018. After following the advice on here, they raised an invoice for excess mileage and damage charges equating to c £960. I have disputed these using the templates on the site and they came back with a final decision that the charges were due. The issue has been referred to the Financial Ombudsman for them to review. The FO have been looking into the issue for 18 months and despite chasing constantly they keep just fobbing me off and saying they have loads of similar cases so can't advise when a decision will be taken.
In the meantime, my credit file with Experian has been destroyed. Alphera have not registered a default but my file just shows as being 6 months overdue each and every month. As a result, I am not able to raise credit for anything. This is having a major impact on my life now so I am considering whether I can take Alphera to court to force them to remove the charges from my account and correct my credit file to sort out my score. I am Scottish so is it possible to do this through our version of the small claims court?
Strangely, equifax have marked the supposed missing payments as Unclassified and my score with them appears to be fine. My issue is that the negative impact of Experian just trumps everything.
Any help would be hugely appreciated.
Best regards
Iain
I VT'd my Alphera PCP in May 2018. After following the advice on here, they raised an invoice for excess mileage and damage charges equating to c £960. I have disputed these using the templates on the site and they came back with a final decision that the charges were due. The issue has been referred to the Financial Ombudsman for them to review. The FO have been looking into the issue for 18 months and despite chasing constantly they keep just fobbing me off and saying they have loads of similar cases so can't advise when a decision will be taken.
In the meantime, my credit file with Experian has been destroyed. Alphera have not registered a default but my file just shows as being 6 months overdue each and every month. As a result, I am not able to raise credit for anything. This is having a major impact on my life now so I am considering whether I can take Alphera to court to force them to remove the charges from my account and correct my credit file to sort out my score. I am Scottish so is it possible to do this through our version of the small claims court?
Strangely, equifax have marked the supposed missing payments as Unclassified and my score with them appears to be fine. My issue is that the negative impact of Experian just trumps everything.
Any help would be hugely appreciated.
Best regards
Iain
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