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“Beware check your Credit History”

written by on 24/01/2015

I recently discovered after being refused a loan by my bank after they had checked my affordability that Hitachi had placed a false credit rating on my file.
When I took out a loan with them just over a year ago for £20,000.00. They posted a debt of £36,000.00 onto my rating account.. This included all the interest due if I had allowed it to run its full course.. After paying down the loan with extra lump sums as of last month I only owed themt £3,000.00. My rating still showed I owed them £18,000.00. This was the remainder of the original loan plus all the interest figure originally calculated. I asked them to correct this misleading information which they refused. They required me to settle the £3,000.00 remaining before they would also cancel additional £15,000 .00 imaginary interest debt.
Needless to say I no longer have an account with them and would warn anyone to check what they actually tell the Credit Rating Agency's about your actual account with them. The Financial,Ombudsman are asking them to explain this policy..

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