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‘Arrangement to pay’ on credit file..?
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![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
[Deleted User]
Posts: 0 Newbie
Hi, currently in the midst of looking to purchase a house, making an offer this week, and looking to go ahead..blah blah blah.
I’ve just checked my credit file, as this is now a ‘hobby’ of mine..lol.
I’ve noticed there has been an arrangement to pay at the end of may and June with Scottish power.
I’ve just checked my credit file, as this is now a ‘hobby’ of mine..lol.
I’ve noticed there has been an arrangement to pay at the end of may and June with Scottish power.
I do not owe them a penny, so why would they register this!?
Secondly, will it affect my mortgage application this week?
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Comments
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I take it you do have an account with Scottish Power?
They do take incompetence to new levels.
Yes it could affect a credit search Make a formal complaint by email or letter znd be prepared to escalate it to ICO1 -
Yep, have an account with them, have had nothing but problems with them since day one.
im at wits end, I’ll be seeking legal action with then shortly.0 -
You would be better advised to first seek recourse via the complaints process, courts want to be certain all other avenues were explored before they become involved in disputes.
Legal action should be a last resort, not a first response.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
I’ve had complaints open with them since 2020.sourcrates said:You would be better advised to first seek recourse via the complaints process, courts want to be certain all other avenues were explored before they become involved in disputes.
Legal action should be a last resort, not a first response.0 -
Fair enough, was not aware of the history.[Deleted User] said:
I’ve had complaints open with them since 2020.sourcrates said:You would be better advised to first seek recourse via the complaints process, courts want to be certain all other avenues were explored before they become involved in disputes.
Legal action should be a last resort, not a first response.
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
They appear to disagree and yes it may well have an impact.[Deleted User] said:I do not owe them a penny, so why would they register this!?Secondly, will it affect my mortgage application this week?0
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