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Not informed feel cheated

Can i get a arrangement to pay removed off my credit file as i was never told or informed by studio24 that it would be recorded on my credit file,


:mad:

i asked for an extra 9 days to pay and now im having to pay for 6 year:mad:                
«134

Comments

  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Why didn't you pay your debt on time then?
  • Is it a late payment marker or a default?
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    9 days late wouldn't be treated as a formal ARP just sounds like a late payment.
  • ViolaLass
    ViolaLass Posts: 5,764 Forumite
    Is what they recorded factually accurate? Could you have paid on time and thus avoided them reporting the situation?
  • lisyloo
    lisyloo Posts: 30,094 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Why are you trying to hide the truth from lenders?
  • GingerBob_3
    GingerBob_3 Posts: 3,659 Forumite
    lisyloo wrote: »
    Why are you trying to hide the truth from lenders?


    "The truth" and credit reference files don't sit well together (not that I'm commenting on this case).
  • This has happened to me, although not with a catalogue account. It was removed because they didn't inform me properly that the (short) arrangement would have a detrimental affect on my file. It's worth a polite phone call.
  • Gaz83
    Gaz83 Posts: 4,047 Forumite
    1,000 Posts Combo Breaker
    Presumably you agreed to the Terms and Conditions when you signed up with them.

    Did you read them? In particular the section entitled Data Protection?
    "Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."
  • Thrugelmir wrote: »
    Why didn't you pay your debt on time then?

    new computer system at work and wgaes never went in
  • Is it a late payment marker or a default?
    im not sure how you upload a picture to here , its just AP in grey,
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