Error on my credit file

psaunders83

Hi

Wondering if anyone can help. Shop Direct (Very) have applied a late/failed payment to my account. I have spoken to them numerous times (worst c/s ever) and they confirmed in the final call in Feb that account was closed. I ordered a washing machine that was broken so they collected and refunded but didnt refund the warranty!
I have now seen a failed payment for them on my creidt file. I called and was advised my account is in credit by £2.83 with them so they dont know and cant help - i need to contact equifax - which I have done. but i am worried now and surely i can speak to shop direct as they allocated the failed payment they have to fix it?!

Sncjw

Isn!!!8217;t that what the warranty if for to cover any damages

Candyapple

First off, you need to check all 3 of your credit files to see what has been reported.

[FONT=&quot]The free versions to check your credit files are below:[/FONT]
[FONT=&quot]Experian: [/FONT][FONT=&quot]www.moneysavingexpert.com/creditclub[/FONT]
[FONT=&quot]Equifax: [/FONT][FONT=&quot]www.clearscore.com[/FONT]
[FONT=&quot]Call Credit: [/FONT][FONT=&quot]www.noddle.co.uk[/FONT]
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[FONT=&quot]You don't need to speak to Equifax as they won't be able to do anything about the late payment - only Very can.[/FONT]
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[FONT=&quot]How can your account be in credit, but you have a late payment marker?[/FONT]
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[FONT=&quot]How much was the warranty? Has this been refunded now?
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[FONT=&quot]If your account is in credit, it won't show as closed on your credit reference files, it will remain open.[/FONT]
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[FONT=&quot]You need to put all this into writing and send it by recorded delivery to them and wait for them to put things right. [/FONT]
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