Payday lender and default

Pay_the_ferryman

I was wondering if anyone could help,

I took out a payday loan a while back but lost my job. I called the money shop to let them know about this and we set up a repayment plan (with interest no doubt).

The money shop made it clear when setting this repayment plan up that if by making the two payments (each at the end of the month) I would not be defaulted. All operators after (4 including a manager) this confirmed that too.

two months down the line I have checked my credit file only to see that they have indeed placed a default on my account.
When I called them up to ask why they claimed it was because I was over 90 days past due?

But what I don't understand is that I set up the repayment plan on their advise and they said I wouldn't be defaulted if I did make all the payments (which I did, to the dates asked). Every payment made was over the phone and I asked the operators to reconfirm no default actions would be taken...

They told me the agreement they setup was 1 day over the 90 day limit!!!! For one day I could have had a family member lend me the money for 24 hours to pay them!!!

Is there any way to have this removed as the plan they setup for me under the idea of not receiving any marks on my files was obviously wrong?

Many thanks in advance

chanz4

can you prove what was said?

Pay_the_ferryman

In a way, yes
I asked the lender to provide the agreement in writing, however they failed to do so.
I do have a letter stating that the operators were incorrect on all occasions and that the last payment date was 1 day outside of the 90 default limit.

My point though is I asked them multiple times if this payment plan would stop the defaults and they always said yes ( this is quoted on the letter). The damage this has now done for 6 years of my life I would have ensured this was paid if I had known. Hell I would have taken another payday loan for a day

They have acknowledged their mistake but are only willing for a notice of correction to be put in place on the default.

Can I request a SAR for telephone calls/ transcripts?