Missed payment affecting score.

8 Posts

I’m on a DMP. The debt was sold to a well known credit collector but ever since the credit collector took over, they’ve been putting on my credit file that I have been missing payments even though I haven’t.
When the credit collector took over the loan, they contacted the company who I have set up my DMP with. They agreed to accept what I can pay. However, I’ve been receiving letters so I contacted the debt collector. They’re saying because I’m paying a couple of quid less than the minimum payment with DMP, it’s still classed as a missed payment. Contacted my DMP provider and they said that they shouldn’t be doing that as they have agreed to accept what was offered. I have raised a dispute with CRA but the debt collector is refusing to remove previous missed payment claims on my file and will continue to do so unless I pay the few quid extra. I feel like this a bullying tactic. I’ve never had a missed payment on file until they’ve took over. I’ve been paying on my DMP every month and I have never missed a payment. I don’t know what else to do. Can anyone please help with advice? Thanks.
0
Latest MSE News and Guides
Replies
The change in your score is also nothing to worry about, as lenders will only be looking at how you manage your accounts.
Your pretend score is a gimmick, lenders only look at the credit history and score you on their own systems
It also sounds as if you may have started the DMP straight away rather than not paying anything at all for a few months so that accounts defaulted before the DMP started?
Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
Mortgage 64,513/100,000 End Nov 2035
2022 all rolling into new mortgage + extra to finish house. 125,000 End 2036