Messed up my credit score and a chance of becoming a home owner!

So much for being a loyal client to this company and they did me so bad. For the longest time my account has been up to date and unfortunately I had to change my banking details. To my knowledge the bank I was moving had changed all my debit orders, Le Morgan included. I also notified the company that I had changed my banking details.

To my surprise, I was contacted by their accounts consultant sometime (3 weeks) after the June 2021 debit date, notifying me that the debit order did not go through. When I asked the consultant why I was not told about this immediately or earlier in July, she rep**** saying that their system only reports missed payment later in the following month, only then they call clients - which I found very odd (which is quite not a norm in the credit environment). I gave them an instruction that they can continue with the debit order the following month. which they did but not include the amount that was in errors. Since then, according to my knowledge my account was up to date. I received a monthly statement for the first time showing the outstanding amount on 17 June 2021 but there after I have not been receiving any statements - which i brushed off thinking everything is sorted.

Fast forward, I was in a process on buying a house in September 2022, only then I was notified that my credit score was not in a good position. I tracked the reasons and found that Le Morgan is the only reason for that, I have been in errors since June 2021. I called the company and was told that I never settled the amount last year and no one all this time had bothered to call and tell me about this error, considering that I have been paying my account on time.

The most painful thing that I was told by the accounts Manager when I laid a complaint or notified them about this was that their system does not pick up errors if you have been paying well (after the missed payment) so they did not see a need a notify a well paying client that there is a discrepancy in their account. She then said there is nothing they can do because they have been sending me the statements.

To my understanding or oversite, Firstly in 2021, I only received one statement in June 2021 and nothing after until they resumed in Feb 2022. I thought everything was paid (because i had made money available in my other account) and that the 2022 statements only showed the discrepancy in June 2021 as a record. So basically I was given an impression that this was all my fault and they basically did not care.

Now I am back to square one building my credit score only because of a company that cares nothing about their loyal customers other than trying to sell us ridiculous staff all the time!

I would literally give this company a 0 if there was that option - I absolutely want nothing to do with Le Morgan. At this point I sure can not wait to settle the amount with them and close this account!