VWFS - missed payment, due to delays between dealership and VWFS

robbie1989

Hope this is the right place for this:

I recently ordered a new car on finance, from the same dealership my current car is with. There was a gap between the end of my previous finance agreement, and the delivery of the vehicle/start of the new one, but the dealership told me arrangements would be made,
and a temporary agreement for the current vehicle was signed to cover that period.  I thought things were in order and would be stress free, but I was wrong.

There were issues somewhere along the line between VWFS and the dealership - and the agreement didn’t go through.  This meant that VWFS took the full amount of the balloon payment (plus £10 purchasing fee) at the end of the agreement - an amount in the mid thousands.  I phoned them up, and was advised to reverse the direct debit to get the money back whilst the problem was resolved - but I was then flagged as having a missed payment on my account.  

The dealership has since resolved the issue with the finance company (mostly, although the £10 OTP fee is still showing as due) - but I’m concerned about the potential impact this might have on my credit report if it were to be flagged as missed as it took over a week to resolve.

Would I have grounds to dispute anything/request VWFS to remove it from my report if anything were to show?  Because of the problems between the dealership and them, it was completely beyond my control, and so any impact on the report seems like it would be unfair on my part.

born_again

Dealership should never have told you to get bank to reverse the DD..

The missed payment is a factual event. It would require VWFS to get it removed from your credit history.