Aviva won't mark car insurance policy as settled 20 months later

anfieldred

Hi MSE'ers!

I had a car insurance policy with Aviva that ended in May 2014, however this is still showing as an open agreement on my Noddle credit report (see attachment).

I've had contact with Aviva, who said it has to stay on my report for 7 years (which I'm not disputing), however, they're refusing to mark it as closed/settled.

I've been driving since 2007, and had several car insurance policies, yet these are the only ones showing on my report - my current car insurance monthly payments with another company don't show on there (or my experian report), so not sure why an old Aviva one will.

I've written to Aviva and got a snotty reply back stating "You would need to send proof that Aviva is still showing up on
your credit report and that this is causing a detriment to your credit rating.
An email or letter from your credit reference agency advising the above would suffice."

What's my next steps here? this is factually incorrect having an open agreement on my account, saying I've been making monthly payments every month, but it seems Aviva won't mark it as closed/settled, even though they admit I don't owe them a penny?

Edit: image won't embed - click here to see it https://drive.google.com/file/d/0B1J0uh1aQyq_MXZwdU5abDhtWlE/view?usp=sharing

rizla_king

aviva are being morons but it wont be doing you harm either

National_Debtline

Hi there,


I would suggest that you check the other 2 credit files (Experian and Equifax) just to see if they are all reporting the same. Then take a photocopy of your credit file(s) and a copy of the letter/emailing from Aviva confirming no money is owed and then, send it all back to Aviva as a complaint.


Make is clear that the account is showing in an incorrect state and you want it corrected (whether it is causing damage to your file or not is irrelevant). Make it clear that if they won't correct this then you will escalate the matter to the Financial Ombudsman Service and the Information Commissioner. Good luck,


Laura
@natdebtline

Ben8282

Does it show you owe them money? Does it state a balance outstanding? Late payments? Default?
If not, what is your problem.

anfieldred

No, i don't owe them a penny, but its showing as an open credit agreement, which I don't have with them.

[Deleted User]

anfieldred wrote: »

Hi MSE'ers!

I had a car insurance policy with Aviva that ended in May 2014, however this is still showing as an open agreement on my Noddle credit report (see attachment).

I've had contact with Aviva, who said it has to stay on my report for 7 years (which I'm not disputing), however, they're refusing to mark it as closed/settled.

I've been driving since 2007, and had several car insurance policies, yet these are the only ones showing on my report - my current car insurance monthly payments with another company don't show on there (or my experian report), so not sure why an old Aviva one will.

I've written to Aviva and got a snotty reply back stating "You would need to send proof that Aviva is still showing up on
your credit report and that this is causing a detriment to your credit rating.
An email or letter from your credit reference agency advising the above would suffice."

What's my next steps here? this is factually incorrect having an open agreement on my account, saying I've been making monthly payments every month, but it seems Aviva won't mark it as closed/settled, even though they admit I don't owe them a penny?

Edit: image won't embed - click here to see it https://drive.google.com/file/d/0B1J0uh1aQyq_MXZwdU5abDhtWlE/view?usp=sharing

Hi anfieldred,

Apologies for the delayed response. I believe we had direct contact yesterday regarding your query. If not, feel free to email the following details to me at social@aviva.co.uk and I'll have the relevant team sort this for you:

• Your full name
• Date of birth
• Postcode
• Policy number if you have it to hand

Many thanks,

Marv
Aviva Social Media Support

anfieldred

Yeah I have sent it through