Credit file and Vanquish

Ballyclover01

Hi. Long story short-ish. I have a vanquis cc that hasn't been used for years and assumed account was closed as CC had expired. My fault i let it in PayPal as a payment card and it was used to make a payment for a recurring charge, no idea why they did that.
Anyway I assumed this was fraudulent and spoke to Vanquis, however I then informed them it wasn't fraud and explained the issue. They told me the payment was 1 day over due which I made there and then in full and asked them to close the account. Then I discovered they left a late payment note on my credit file which I asked to removed as normally its reported if its more like 30 days. They refused. 

I then rang last week to ask for a update and they told me there was still a £1 balance so  couldn't close the account. I paid this, asked the operator if this was now balance cleared,on time and no further charges and account could be closed, operator confirm all. 

Rang today to ask for update to find another after payment charge and another record on my credit file as I was again 1 day late to make payment. 

They refuse to withdraw or edit the credit file entry and say there is nothing they can do as was all my fault.

Im not arguing its my fault but seems harsh that they have fooked my file over a balance of £3.50 1 day late payment and not £1 balance and 1 day late payment. Surely there must be something they can do, to be reasonable.

Any advice would be great fully accepted

fatbelly

Oh dear. Try a formal complaint in writing and say that you may refer their response to the FOS.

Hopefully, they'll back down