need to seriouslly improve my credit rating!! :(

obay

hi,

right ok i signed up with call credit (only 2 hours ago! and now forgotten my username!!) and it DOES show a mail order account ( MELGOLD LTD (THE COUNTRY GARDEN )

and it shows that this month that I have made a late payment THEY NEVER send me statements like my Argos Account does to tell me to pay THEY never contact me regarding this debt and I am worried that it'll default (and on this referance agency I see a default that I have paid fully now)

My Argos account I have now setup a standing order for £35 a week to clear the account balance, though, they're is no interest being applied on the account and this melgold account is aparently applying £5+ a month to the account. So I ain't sure whatt to do?

It shows 6 months of missed payments though, in beteewn it shows a payment of another 6 months then 6 months of missed..

my rating is 1 star which is why I am not getting the credit I deserve...

What do I do? I mean I am worried to !!!!!! vile...

ellesbellesxxx

Ring the company tomorrow, organise repayment. Find out why they have not been intouch...

obay

i am trying to find out how to setup a standing order with them but SERIOUSLLY it's like they dont want us to pay..!!!

ellesbellesxxx

Have you spoken to them on the phone?

obay

ellesbellesxxx wrote: »

Have you spoken to them on the phone?

i last spoke to them at the begining of the year that's the last i heard where i paid 100% of my debt with them and (By mistake!!!) i didn't relise that when I pay the accountt of in full they still charge interest with the account being open............

glasgowsaver2011

obay wrote: »

i last spoke to them at the begining of the year that's the last i heard where i paid 100% of my debt with them and (By mistake!!!) i didn't relise that when I pay the accountt of in full they still charge interest with the account being open............

What do they charge interest on if account is paid off in full?

paulmapp8306

Close the account, and ask for a final ballance after that. If it was cleared at the beginning of the year, there should be no interest charges - however there may be a standing account charge (they charge you for having the account regardless of if you use it).

fine out (it will be in the initial agreement small print possibly - or ring them)- close the account (as your not using it) and clear any ballance.

obay

i have not phoned them but they've just applied another £26 to the minimum payment balance.... i will ask them to close the account when i phone them a bit later