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Review of the RAC, Breakdown cover:

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RAC is extremely bad and must shut down

CC00435565 CC73029400 RAC member 200110007695329 RAC damaged my credit records by unfairly putting a missed payment of £2.45 on my credit file with credit reference agency when there was actually no missed payment. Then they sent me threatening letters promising to make further damages to my credit file. One letter dated 26 August 2026 says "if payment is not made by 22 September 2026, RAC will cancel my policy and a missed payment will be shared with a credit reference agency". The other letter (ref LTPCO1) dated August 2026 says the "RAC has cancelled my policy on 27 August 2026 and has already notified the credit reference agency of a missed payment". Now i am very upset with this as RAC should not have cancelled my policy or notified the credit reference agency before their own deadline of 22 September 2026. This is wicked and bad. I do have a CLEAN CREDIT RECORDS for the past 22 years with no missed payment. RAC has just destroyed my clean credit record by recording a wrong missed payment on my credit record. I WANT THIS TO BE REMOVED AS SOON AS POSSIBLE and no trace should be left on my credit record. To understand the history of this membership (200110007695329), the membership contract was taken for 12 months in November 2024. After 12 months around November 2025, i sold my car and cancelled my direct debit. I then informed RAC that i no longer use a car and therefore i want my membership contract to be terminated as i have already completed my 12 months contract. RAC refused to terminate the contract under the pretexte that my membership has already automatically renewed for a further 12 months and they demanded that i must continue to pay my membership for a further 12 months until November 2026 even though i no longer use a car or drive. Then after the last payment in November 2026, my membership will not renew and will be terminated. RAC downgraded my policy to £2.45 a month and I then continued to pay against my own will up to 05 September 2026 when out of frustration, i decided to stop payment on 05 Sep 26 because i was paying for nothing as i no longer use a car since November 2025. I was paying around the 5th of every month. The payment for 05 August 2026 was paid on time by direct debit. The Payment for 05 September 2026 was cancelled by myself but is not missed until 01 October 2026. That means i have until 30 September 2026 to make the September payment. Therefore a missed payment should not be notified to any credit reference agency until the month of september 2026 has elapsed i.e. until October 2026. After i cancelled the Direct debit in late August 2026, RAC sent me a threatening letter on 26 August 2026 to say they will report a missed payment to a credit reference agency against my record if i do not pay by 22 September 2026. I phoned up RAC to make arrangement to pay and terminate the membership. A direct debit was set up for 3 payments of £1.96 on 20th Sep, £1.96 on 4th Oct and final payment of £1.96 on 4th Nov 2026. After this RAC membership will be terminated. I was very disappointed and upset when i received another threatening letter on 10 September 2026 from RAC (letter dated August 2026) informing me that they have notified the credit reference agency of a missed payment and this has been recorded on my credit records for nothing. I have done nothing wrong and RAC decided to destroy my clean credit records i maintained for 22 years. RAC is BAD and i will never deal with RAC ever again. This is a dodgy and bad company. I want to claim compensation of £2,000 (Two Thousands Pounds) from RAC for all the inconvenience they have caused me. More importantly i want any recorded missed payment to be removed from my credit record with credit reference agencies. Any record of missed payment will stay on my credit file for 6 years unless RAC removed it completely and immediately. This must be removed. I curse RAC and their managing director RAC memership ANDY BAKER. RAC must be fined and punished by the regulator for doing membership tactics. Reviewed on: 13th September 2026

Review of the London Mutual Credit Union, Loans:

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Not willing to lend

London Mutual is very difficult to deal with. They are reluctant to give loans. Reviewed on: 5th July 2020

Review of the Plane Saver Credit Union, Loans:

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Good lender

Excellent customer services and better rates than most lenders. Reviewed on: 9th June 2020

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