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Review of the 118 118 Money, Credit Card:

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118 Money Ruined my perfect credit file

Took out a card with a £1200 credit limit just to use as a holiday buffer. During Covid I applied to them for a payment holiday. This was accepted and they notified me in writing. Some months later I searched my credit file and 118 Money had put me in DEFAULT for not paying my credit card. I checked my paperwork and then contacted them. They sent me an email which formerly apologised then offered me £150 in compensation. They told me they would remove the mark from my credit history, and I stupidly trusted them to do so. I recently applied for a remortgage due to the spiraling interest rates. Santander declined stating I had a default! I checked and sure enough 118 Money HAD NOT REMOVED THE DEFAULT from my credit file. This time they offered me another £150 and a written apology. I am not accepting this and I will take them to the local court, as I have paid thousands extra now due to my mortgage rate increase, which I would have been able to deal with had I remortgaged earlier. DO NOT USE THIS COMPANY THEY WILL RUIN YOUR CREDIT FILE AND THEN DO NOTHING TO REPAIR IT. Reviewed on: 31st October 2022

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