Hello Hayley my name is ***** ***** I will help,you with this.
Do you accept the payments were late or under the minimum please?
It's bad news I am afraid. If they were always late, ie beyond the pay by date it makes no difference how big they were, it is recorded as being late.
Factually I am sorry to say this is accurate. That is because you were late. Even if uounwere one day late this means they can report it as so.
Your only option is to complain to the information commissioner to see if they can amend your report. They offer a free, independent service at www.ico.gov.uk
But if it's accurate it may be hard.
I am sorry if this is not the Answer you want, nor the one I want to give you, but I have a duty to be honest.
Can I clairfy anything for you about this today please?
Yes I would and indeed they can if they are minded to do so. But legally they don't have to.
Does that clairfy?
If I could ask you to rate my answer before you go today, otherwise the site does not pay me for the time spent with you today. Thank you in advance and good luck!
Thanks and have a good weekend.