Don't Make Use Of Marquis Finance

I have a debit order set up since October 2025 for the 5th of each month. So, my debit order went of every month like it should, and no problems were ever encountered. On 5/02/2026 the debit order goes off as it should with no hassels. On 06/02/2026 @ 13H30 Nation Wide Recoveries contacts me stating I have a outstanding balance for the debit order of 05/02/2026.

Now the way I understand the banking ways; the debit order goes off, then the funds with ref nr for that debit order goes to the finance company and they allocate to your account. May take 2-5 days.

So Marquis Finance will hand you over to a debt collecting company the following day if the debit order is not in their bank account. Once your account lands on a debt collecting companies desk your good credit score is shot as this is now being recorded as a missed payment even if you didn't miss the payment.