Arrow Global missed payments on file

[seaweed99]

I missed 5 payments on a very account in 2012. After 7 payments I made a few payments via step change and entered a CCA request. They could not provide paperwork. In 2018 arrow global were still posting missed payments on my credit file. After making a complaint they stated that very didn’t default my account as a good will gesture and the accounts are still live. After years of trying to rebuild my credit I pay them £40 per month I asked could I reduce the payments due to low income and they refused stating I could pay less but my credit file will be affected !

I was given some cash by my mum to clear the debt which was 20% of the debt. They refused. Is there anyway out of this hell. I made the payment 1 day late last month and today they updated my file with another missed payment marker

I’m struggling with the payments but can’t bear another 6 years of credit file damage even though the debt is unenforceable. Any advice is gratefully accepted.

[paulajayne]

Debt is enforcable as you have made payments within the last 6 years.

[seaweed99]

I have not missed a payments. The due date is 30th of the month and I pay direct debit on 12th. For some reasons they are adding missed payment markers to my file. How can I stop this. It’s ruining my life.

[seaweed99]

Please can someone give me some advice.

[Celestine]

Ok - send a subject access request to Very for all data for the account. Raise complaint in writing/email regarding payment markers. Misreporting your data to CRAs is not a wise move in terms of responsible data management.