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  • FIRST POST
    • Loachy
    • By Loachy 16th Jul 17, 5:30 PM
    • 3Posts
    • 0Thanks
    Loachy
    Latepayments
    • #1
    • 16th Jul 17, 5:30 PM
    Latepayments 16th Jul 17 at 5:30 PM
    I have recently been turned down for car finance due to bad credit. I have never had bad creditbefore so got a credit score and report. The report indicated 4 late payments with Shop Direct ( very). I hadn't used the account since 2013. After investigating further my partner unwittingly had ordered on my account in error due to automatic log in on the iPad. In addition the late paynents were on the delivery charge not the product as this was on a buy now pay nothing offer. I cleared the entire debt immediatley after finding out. Following a couple of conversations with people in the accounts department they said they would remove 2 of the late payments but appear to have only removed one. How do I go about getting all the late payments removed?
Page 1
    • Loachy
    • By Loachy 16th Jul 17, 5:32 PM
    • 3 Posts
    • 0 Thanks
    Loachy
    • #2
    • 16th Jul 17, 5:32 PM
    • #2
    • 16th Jul 17, 5:32 PM
    In addition, I asked to speak to a manager however they refused to pass me on...
    • glosoli
    • By glosoli 16th Jul 17, 5:34 PM
    • 630 Posts
    • 362 Thanks
    glosoli
    • #3
    • 16th Jul 17, 5:34 PM
    • #3
    • 16th Jul 17, 5:34 PM
    To be honest I don't think you can. There was an account, and there was missed payments on it, therefore Very have to report that to credit reference agencies.
    • Loachy
    • By Loachy 16th Jul 17, 5:47 PM
    • 3 Posts
    • 0 Thanks
    Loachy
    • #4
    • 16th Jul 17, 5:47 PM
    • #4
    • 16th Jul 17, 5:47 PM
    Neither myself or my partner were aware the account had been used as she was paying her account off believing the purchase was made on that.
    • glosoli
    • By glosoli 16th Jul 17, 5:51 PM
    • 630 Posts
    • 362 Thanks
    glosoli
    • #5
    • 16th Jul 17, 5:51 PM
    • #5
    • 16th Jul 17, 5:51 PM
    Don't know what others think but that isn't likely to make any difference what so ever I am afraid. The main point still stands, i.e there was late payments on the account, which have been reported to credit reference agencies.

    I would be very cautious about telling Very that someone else logged into your account without consent (unintentionally or not) and placed a credit order.
    • DCFC79
    • By DCFC79 16th Jul 17, 6:03 PM
    • 29,949 Posts
    • 18,970 Thanks
    DCFC79
    • #6
    • 16th Jul 17, 6:03 PM
    • #6
    • 16th Jul 17, 6:03 PM
    The late payment markers are a factual way of how the account was run (not you fault as you didn't know). You could ask again to get it removed.

    Maybe saving up is the way forward.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • Geoff1963
    • By Geoff1963 16th Jul 17, 8:15 PM
    • 1,063 Posts
    • 667 Thanks
    Geoff1963
    • #7
    • 16th Jul 17, 8:15 PM
    • #7
    • 16th Jul 17, 8:15 PM
    my partner unwittingly had ordered on my account in error due to automatic log in on the iPad
    Is this an IT problem that Very ought to rectify, or something you set up for convenience ? If Very have made unintentional logging in too easy, the late payment would be their mistake ; but otherwise its your accident.
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