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AP's

When you arrange an alternative amount to pay each month due to affordability, say pay half of what you are supposed to each month. Is that classed as an AP and should be marked on your file as AP?

The reason I'm asking is because I just went through my credit file and I saw Home Learning College on there and in Dec I had £200 remaining with them and asked if I could pay £50 for four months instead of the £100 in 2 months.

Should they marked my file as AP? Because I have green 'Up to date' markers.
Littlewoods £0/£750
Barclaycard £0/£1,000 @ 0% Nov '18

Goal: To be debt free by Oct' 31st 2016.

Now debt free!!!

Comments

  • stclair
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Yes that would be correct as you have "arranged to pay" a different amount.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • QuietOne
    QuietOne Posts: 145 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    stclair wrote: »
    Yes that would be correct as you have "arranged to pay" a different amount.

    Should I contact them about it? Or leave it as it is, the way it stands now it makes my file look better.
    Littlewoods £0/£750
    Barclaycard £0/£1,000 @ 0% Nov '18

    Goal: To be debt free by Oct' 31st 2016.

    Now debt free!!!
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    If they are showing up to date, leave it. AP markers are not good.

    They ought to really tell you if they agree to something that will be marked as AP.
    :beer:
  • QuietOne
    QuietOne Posts: 145 Forumite
    Ninth Anniversary 100 Posts Combo Breaker
    If they are showing up to date, leave it. AP markers are not good.

    They ought to really tell you if they agree to something that will be marked as AP.

    My final payment was in January so it's been nearly 4 months now. I guess if they wanted to add AP markers, they would have done it by now. I will leave it. Looks better for me :)

    Thanks happy_bunny :)
    Littlewoods £0/£750
    Barclaycard £0/£1,000 @ 0% Nov '18

    Goal: To be debt free by Oct' 31st 2016.

    Now debt free!!!
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