Something Fishy going on

jo-bo

rhodod wrote: »

sorry not sure what you mean?

Get a copy of your credit file, a £2 one is fine, and find this finance on there.

rhodod

jo-bo wrote: »

Get a copy of your credit file, a £2 one is fine, and find this finance on there.

sorry, im all new to this, where would i get this?

thank you

jo-bo

The three credit agencies are Experian, Equifax and Call credit. Call credit is available for free via Noddle and can be accessed straight away online as can Equifax (for £2). Experian takes upto a week for a postal copy or online can take just as long as you have to wait for an online code! Do not be tempted to pay for your credit score as they're pointless. You'll need a credit or debit card and you'll be asked a few questions to verify your identity.

rhodod

ok

i got the free report with noddle

i can see my old barclay cred it card which has nothing on it

my loans which are with my bank

nothing in regards to santander?

rhodod

Everything is on this file, even old mobile phone contracts, but yet nothing about santander, or GE Capital or Edge Card or anything

however my pc from pc world isnt on here either

jo-bo

You're probably going to have to get them all, call credit unfortunately doesn't show everything (although it is getting better!).

pauletruth

wel tell them unless they can show what these payments are for your stoing them.

Lurkerderp

I think your original payment may have been to GE which were taken over by Santander. Your account will have migrated over to Santander's systems in 2010 which is why they can't access any payment records prior to that.

Kayalana99

I know this isn't any help but I'm gobsmacked someone could spend £325 on an interest free credit agreement then forget about it - worse still be paying it off for 3 years without even knowing

sistafromanothermista

How could you miss this payment coming out for so long??