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Payment holiday AP marker
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![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
[Deleted User]
Posts: 0 Newbie

I took a 3 month payment holiday with nationwide back in march, despite being assured my credit file would not be impacted I get an alert today that they have recorded an arrangement to repay on my credit report.
I am scared my other lenders will find out about this and close my accounts without realising this information should not have been put on my file, I have contacted nationwide but would my other accounts be affected in the meantime while I try to get this resolved, I have never had any negative info on my credit file I have autism and im very scared and upset
Nationwide are an absolutly diabolical company, just a few weeks ago they took a full loan repayment despite the fact my payment holiday is not due to end until june, I had to contact them to get it refunded even lodged a complaint and now this happens !
I am scared my other lenders will find out about this and close my accounts without realising this information should not have been put on my file, I have contacted nationwide but would my other accounts be affected in the meantime while I try to get this resolved, I have never had any negative info on my credit file I have autism and im very scared and upset

Nationwide are an absolutly diabolical company, just a few weeks ago they took a full loan repayment despite the fact my payment holiday is not due to end until june, I had to contact them to get it refunded even lodged a complaint and now this happens !

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Comments
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When did you take the mortgage holiday, March 2020 or March 2021?0
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MattMattMattUK said:When did you take the mortgage holiday, March 2020 or March 2021?
It was a personal loan holiday not a mortgage holiday.0 -
I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.0
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Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.
Im scared other banks will close my accounts or reduce my credit lines. Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide, I should not have to face financial ruin because of their incompetance.0 -
Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.9 -
Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.0
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Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.1
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MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.
It would only be "absurd" if I didnt keep my end of the bargain and just refused or didnt pay them at all, but I havent !0 -
Deleted_User said:MattMattMattUK said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.Deleted_User said:Im scared other banks will close my accounts or reduce my credit lines.Deleted_User said:
Im now wondering weather nationwide have breached the loan arrangement in its entirity, the FCA in my opinion should investagate nationwide,Deleted_User said:
I should not have to face financial ruin because of their incompetance.Deleted_User said:
I took a loan of £6800 a year and a half ago and the balance is now £2500, they should be made to write off the rest as they have broken the rules.
A word of warning though. Everyone will know you were on a payment holiday, regardless of this marker. You may find you have trouble getting credit in the near future.1 -
sparklep0ny said:Deleted_User said:Jeremy535897 said:I wonder whether they have treated the refund of the payment as a "new arrangement", despite the fact that they have caused the problem in the first place. You will have to contact them to get them to explain why this has happened, and how they will deal with it.0
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