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Hi I’m a newbie looking for some advice please
i opened a credit account with Shop Direct Very in 2000 I had no problems making repayments until approx 2010 (I am sure a default was issued but can’t find paperwork). The debt was sold to NCO/Arrow 2013
i entered into a DMP with Stepchange in July 2011 & have been making regular payments to them since until 2019 when my income dropped & had to make reduced payments & they are now marking late payments on my credit file because I am not making the full contractual payments.
I have spoken to NCO & Arrow & they say the debt has not been defaulted with them. I made an official complaint re late payment markers on credit file & my complaint has not been upheld
Stepchange have said that the debt should definitely have been defaulted when Arrow bought the debt
i feel this is such an unfair position to be in as my credit file is worse now than if I had made no payments at all rather than paying them off. All my other debt have dropped off my file & I am still making payments to them
Can anyone please give some advice as to what I can do next... I am still continuing to make payments
thanks
i opened a credit account with Shop Direct Very in 2000 I had no problems making repayments until approx 2010 (I am sure a default was issued but can’t find paperwork). The debt was sold to NCO/Arrow 2013
i entered into a DMP with Stepchange in July 2011 & have been making regular payments to them since until 2019 when my income dropped & had to make reduced payments & they are now marking late payments on my credit file because I am not making the full contractual payments.
I have spoken to NCO & Arrow & they say the debt has not been defaulted with them. I made an official complaint re late payment markers on credit file & my complaint has not been upheld
Stepchange have said that the debt should definitely have been defaulted when Arrow bought the debt
i feel this is such an unfair position to be in as my credit file is worse now than if I had made no payments at all rather than paying them off. All my other debt have dropped off my file & I am still making payments to them
Can anyone please give some advice as to what I can do next... I am still continuing to make payments
thanks
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