[TikoV]

Hi folks,

I've not really had issues getting credit but there has been the rare occasion where the computer said "NO". However by hook or crook I was able to overturn decision.

BUT, recently I've had an issue with a store card that I haven't used since 1997 when I was a poor student. Basically I paid minimum every month and continued to pay this amount would you believe till 2009. It was my missus who picked up on this and worked out that I had paid £4000 for a balance of £300. Interest was phenomenal as you can see... Phoned up the CC company and cleared balance and told them to close account. Thought this was the end of it until I Oct last year when they all of a sudden started taking money out my account again and as I had cancelled dd, they eventually listed a debt collecting agency. Explained the circumstances and they agreed that it was odd why this would happen. After many calls I got confirmation that DC would not be chasing the money and account was shut...end of

TILL, I went in to Audi to look at the X5 replacement and do the deal....credit refused due to a default of £77!!!! The store card had placed this against my account :/

What can I do...help really appreciated.