Avoid Motonovo If You Value Your Credit Worthiness

Jefers63

Yet again this company has screwed my credit file - my payment was 3 days late which I fully accept was my own fault for not checking whilst working away but the payment did go through 3 days later - did this company report it as a late NO reported as a missed payment even though they had taken payment, then take the next payment and still report the payment in arrears - 7 Months I had to wait till they correctly amended my credit file last time due to Motonovo's own incompetence whereby a reporting tag had not been removed from my file thus reporting that I was 4 Payments In arrears which was simply not true, provided bank statement to confirm all payments - 7 months of stress and they finally send a letter confirming there mistake with a £100 offer of compensation - here I am again with these jokers wrongly reporting on my credit file and affecting my credit rating yet again - twice in 12 months. If you want to protect your credit file do not use this company whatsoever they are a joke and I cannot wait till they get their comeuppance with the FCA

HeinzVarieties

A missed payment and a late payment are one and the same, so they've reported it correctly.

mcpitman

If the information is incorrect and you have exhausted the complaints procedure, then off to the ICO you go.

I'm not sure why it "stressed you out" for 7 months. What quantifiable, financial loss or impediment have you suffered in these 7 months due to this issue?

MEM62

Jefers63 said:

my payment was 3 days late which I fully accept was my own fault

There is your starting point.  All woes stem from there.  The problem is, once you have gone beyond that point you are in the hands of others and are subject to how efficient, or not as the case may be, their staff and systems might be.