Issue on credit report - can you claim compensation?
Discussion
Evening all,
A family memeber had an issue recently with getting declined a credit card that offered some benfits they wanted. They thought this most odd because they have a 100% excellent record of paying back mortgages, loans, HP etc and currently have nothing outstanding except the mortgage.
So they signed up to Experian to do some digging and found that an old credit agreement that had been paid off in full last year, had not been 'closed' properly at the creditors end so for the last 11 months it thought they had been defaulting as no payments were coming through.
Anyhow, it was sorted out and the current Experian report is now good.
But my point is this. My nearest and dearest had to get stressed over this, make numerous calls and generally invest their time in sorting a mistake that was not theirs. And I'm inclined to believe that this sort of stuff can stay on a credit score for ages, even if the mistake was eventually cleared up.
Can one claim compensation for this sort of slackness from big companies - just seems annoying to me that they can just say "oh yeah, really sorry about that" yet potentially have quite an impact on their customers.
Anyone done this so I can advise accordingly?
A family memeber had an issue recently with getting declined a credit card that offered some benfits they wanted. They thought this most odd because they have a 100% excellent record of paying back mortgages, loans, HP etc and currently have nothing outstanding except the mortgage.
So they signed up to Experian to do some digging and found that an old credit agreement that had been paid off in full last year, had not been 'closed' properly at the creditors end so for the last 11 months it thought they had been defaulting as no payments were coming through.
Anyhow, it was sorted out and the current Experian report is now good.
But my point is this. My nearest and dearest had to get stressed over this, make numerous calls and generally invest their time in sorting a mistake that was not theirs. And I'm inclined to believe that this sort of stuff can stay on a credit score for ages, even if the mistake was eventually cleared up.
Can one claim compensation for this sort of slackness from big companies - just seems annoying to me that they can just say "oh yeah, really sorry about that" yet potentially have quite an impact on their customers.
Anyone done this so I can advise accordingly?
matt uk said:
Evening all,
A family memeber had an issue recently with getting declined a credit card that offered some benfits they wanted. They thought this most odd because they have a 100% excellent record of paying back mortgages, loans, HP etc and currently have nothing outstanding except the mortgage.
So they signed up to Experian to do some digging and found that an old credit agreement that had been paid off in full last year, had not been 'closed' properly at the creditors end so for the last 11 months it thought they had been defaulting as no payments were coming through.
Anyhow, it was sorted out and the current Experian report is now good.
But my point is this. My nearest and dearest had to get stressed over this, make numerous calls and generally invest their time in sorting a mistake that was not theirs. And I'm inclined to believe that this sort of stuff can stay on a credit score for ages, even if the mistake was eventually cleared up.
Can one claim compensation for this sort of slackness from big companies - just seems annoying to me that they can just say "oh yeah, really sorry about that" yet potentially have quite an impact on their customers.
Anyone done this so I can advise accordingly?
Had they not been chased at all by the company who thought they had been defaulting for 11 months?A family memeber had an issue recently with getting declined a credit card that offered some benfits they wanted. They thought this most odd because they have a 100% excellent record of paying back mortgages, loans, HP etc and currently have nothing outstanding except the mortgage.
So they signed up to Experian to do some digging and found that an old credit agreement that had been paid off in full last year, had not been 'closed' properly at the creditors end so for the last 11 months it thought they had been defaulting as no payments were coming through.
Anyhow, it was sorted out and the current Experian report is now good.
But my point is this. My nearest and dearest had to get stressed over this, make numerous calls and generally invest their time in sorting a mistake that was not theirs. And I'm inclined to believe that this sort of stuff can stay on a credit score for ages, even if the mistake was eventually cleared up.
Can one claim compensation for this sort of slackness from big companies - just seems annoying to me that they can just say "oh yeah, really sorry about that" yet potentially have quite an impact on their customers.
Anyone done this so I can advise accordingly?
esselte said:
matt uk said:
Evening all,
A family memeber had an issue recently with getting declined a credit card that offered some benfits they wanted. They thought this most odd because they have a 100% excellent record of paying back mortgages, loans, HP etc and currently have nothing outstanding except the mortgage.
So they signed up to Experian to do some digging and found that an old credit agreement that had been paid off in full last year, had not been 'closed' properly at the creditors end so for the last 11 months it thought they had been defaulting as no payments were coming through.
Anyhow, it was sorted out and the current Experian report is now good.
But my point is this. My nearest and dearest had to get stressed over this, make numerous calls and generally invest their time in sorting a mistake that was not theirs. And I'm inclined to believe that this sort of stuff can stay on a credit score for ages, even if the mistake was eventually cleared up.
Can one claim compensation for this sort of slackness from big companies - just seems annoying to me that they can just say "oh yeah, really sorry about that" yet potentially have quite an impact on their customers.
Anyone done this so I can advise accordingly?
Had they not been chased at all by the company who thought they had been defaulting for 11 months?A family memeber had an issue recently with getting declined a credit card that offered some benfits they wanted. They thought this most odd because they have a 100% excellent record of paying back mortgages, loans, HP etc and currently have nothing outstanding except the mortgage.
So they signed up to Experian to do some digging and found that an old credit agreement that had been paid off in full last year, had not been 'closed' properly at the creditors end so for the last 11 months it thought they had been defaulting as no payments were coming through.
Anyhow, it was sorted out and the current Experian report is now good.
But my point is this. My nearest and dearest had to get stressed over this, make numerous calls and generally invest their time in sorting a mistake that was not theirs. And I'm inclined to believe that this sort of stuff can stay on a credit score for ages, even if the mistake was eventually cleared up.
Can one claim compensation for this sort of slackness from big companies - just seems annoying to me that they can just say "oh yeah, really sorry about that" yet potentially have quite an impact on their customers.
Anyone done this so I can advise accordingly?
Nah, no one was signed off and going to court is certainly not on the cards.
She is actually happy to get on with it - its my suggestion to push for some sort of goodwill gesture - case of wine, £50 M&S voucher, that sort of thing.
It was more the fact that their attitue was so indifferent and yet someone has had to invest a few hours of their time in sorting out a mistake which wasn't made by them.
My mistake for wording the thread title 'compensation' - it's too strong a word. On reflection I mean 'a gesture of goodwill'.
I'll get her to call them Monday and just ask the question.
She is actually happy to get on with it - its my suggestion to push for some sort of goodwill gesture - case of wine, £50 M&S voucher, that sort of thing.
It was more the fact that their attitue was so indifferent and yet someone has had to invest a few hours of their time in sorting out a mistake which wasn't made by them.
My mistake for wording the thread title 'compensation' - it's too strong a word. On reflection I mean 'a gesture of goodwill'.
I'll get her to call them Monday and just ask the question.
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