Stupid fucking bank
With so much possible credit needing to be obtained, I decided to do a quick check of y credit rating.
And the stupid fuckwits that I work for, after the stupid mess which I was told was cleared up almost 3 years ago, when I made a payment including fees which I knew I was entitled to claim back, but working for them I decided to be prudent, they have been reporting that debt as still in default, and not settled.
I am fuming. I can’t get a loan to buy a car, nor can I get a new mortgage.
I went into the branch yesterday, to see if I could explain it to them face to face. It is quite clearly a mistake, as there sits a default credit card (default amount £104, outstanding amount £52) and there underneath it sits another credit card from the same bank, with a credit limit for £7,200, in perfect order. If the other card was a problem, then I wouldn’t have another card with them.
I then dug a little further into the debt, as 3 years ago I just paid it, wanting it cleared, especially as I worked for them as it is a sackable offence.
It seems there was a payment late back in 2002. I got charged 28p interest, and a £20 charge. Then another 28p interest the following month, with a £20 fee. And so it goes on, until a balance of £104.54 is reached - £100 of which was made up of fees!
I have lodged a claim to have the fees refunded, which will put the debt below £5, and thus should not have even been reported.
However, it is going to take some time to clear this, and I need to get a loan to buy my car in less than two weeks, and also get a new mortgage, otherwise I will resort to standard bank mortgage rate, which is just stupid.
I am going to ring the service desk again tomorrow, and ask that the whole thing be removed from my credit file, and try and get it done immediately. Then I will also have to get it removed from the internal systems, because I am an automatic decline for a loan, without even resorting to a credit search.
If this isn’t done by Tuesday, I am already drafting an email to the CEO of cards, and will basically point out that it would not look good for such customer service to be given to a member of staff….