Affinity Water
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They reported me to credit agencies besides payments taken from my account as agreed
Last week I received an updated credit score, to find out Affinity reported me as a delinquent account over the last 2 months period, reporting payments in arrears for 5 months!! Which is a lie! This happened whilst having monthly payments in place, that were taken automatically from my account, after they took my cards details. Payments went out automatically and regularly every months. Out of all the monthly payments taken, the last 2 months were reported in arrears for whatever crazy reason! With this I also found out that I didn’t have a direct debit set up in my account, but an arrangement to pay. Nobody explained to me the implications and that my credit score would have been impacted negatively. As a consumer, this was completely misleading. Called customer service, who wasn’t able to help. Had a call back from a team leader, who kept repeating the same line and wasn’t able to help either. It felt like: computer says no! I can understand that an arrangement to pay is reported to credit agencies, however, in this case, it should have been reported as OK payment, I shouldn’t have been reported with payments in arrears, because I did pay what was agreed. This is just mad. They opened an official complain whilst I was on the phone, and I requested to have the records rectified. Let’s see what will happen. I’ll consider to appeal to Ombudsman if necessary. In the meantime my credit score went from 900 to 700, in the middle of a mortgage application! They don’t realise how they can ruin people’s life. I’ve been reported in the same way as someone who doesn’t pay the bills!