Messed up my credit record by all my payments were on time

I’m furious with Wonga.

I took out a loan with them in November 2023. On 14 December, I got an email from them to say my debit order was unsuccessful. I only got paid on the 15th, so when they tried the debit order again on that day, it was successful. I also made a manual payment on 16 Dec to try and shorten my loan term, and emailed them the proof of payment.

On 21 Dec, I got a text from a random number saying my account was in arrears. I ignored it because I thought it was a phishing attempt.

Since then, my payments had gone off without a hitch, but on 31 January, they reported my account as one month in arrears to the credit bureau. The listed my last payment as 18 December, despite my Jan debit order going out of my account successfully.

They only responded to my proof of payment on 19 February.

I realised that they updated my credit record incorrectly on 1 March. I called them and they asked for my credit report, which I sent. They responded on 4 March to say they have sent a manual update which will only reflect in 21 days.

Well, my record was just updated again and now shows that I am two months in arrears. Despite my February document also debited successfully.

No one at the their company seems to understand that a person’s credit record affects their future quality of life and their employment prospects. No one from this company can explain why my account was listed as being in arrears when I made payments on or well before my due date on the 25th of the month.

They are quite literally ruining my life, and they have no will to fix their error.