Credit rating affected by incorrect arrears

Fk1442

I had a Debenhams card and paid off the balance 3 years ago. Over the past few months I've had let's from NewDay saying I owed £4 and each month was accruing interest. Thought it was a scam till I rang them and disputed it. The agent told me she'd remove the debt and apologised for the inconvenience. I then discovered she'd duplicated not removed the debt and it was still active. I called again and they closed the account, apologised again and removed the debt. 

I've just gone to a mortgage advisor and it's flagged up on my account that I'm a bad payer. I've spoken to Newday and they said there's nothing they can do. This poxy amount that I never owed has the potential to have a massive impact on my life and future home. Anyone any advice, please?

Nasqueron

Do you accept you owe the money and it was legitimate but they cancelled it as a gesture of goodwill or do you believe it was not a legitimate debt? Former, unfortunately you're stuck with until it disappears, latter you need to complain formally to Debenhams

sourcrates

If the formal complaint route does not work in your favour, you can escalate the matter to the ICO who deal with all things data related.