Incorrect missed payments

Good day,

I am writing to formally raise a complaint regarding the incorrect “missed payment” markings on my account.

I have been making my payments manually, yet your system continues to record them as missed payments if they are made a day after the due date. I contacted your call centre and was advised that your system flags payments as missed even if they are paid manually or shortly after the due date.

This is extremely concerning, as these markings are negatively affecting my credit profile. According to my understanding, and as advised by ClearScore when I disputed the issue, a missed payment should only be recorded when a payment is more than 30 days overdue, not one day late.

My account is currently up to date, and I believe your system is incorrectly reporting my payment history. I request that this matter be investigated urgently and that the incorrect missed payment records be corrected with the relevant credit bureaus.

Given the impact this has had on my credit record, I am also seriously considering closing this account, as this experience has been very frustrating.

Please confirm receipt of this complaint and advise on the steps you will take to resolve this matter.

Kind regards