Help with buy now pay later - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.
Get the HUKD app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit

Help with buy now pay later

Pitbikeboy Avatar
5y, 8m agoPosted 5 years, 8 months ago
I purchased something with buy now pay later last October.

Ive just gone on my creditexpert.co.uk and got a report and its saying I have missed 2 payments to Additions direct..

Are you supposed to pay a min every month or something? I cant find anything about that on there website so just wanted to check here before I rang.

Also if they are in the wrong is there anyway they can change my credit report :S?
Pitbikeboy Avatar
5y, 8m agoPosted 5 years, 8 months ago
Options

All Comments

(8) Jump to unreadPost a comment
Comments/page:
#1
no you dont have to pay anything, but i always try and pay it in full before the bnpl runs out so you dont get charged interest. maybe ring additions and see if they can explain it. does it say what date you missed the payments.
#2
Thats wrong , if you opt for bnpl then you have a choice of making monthly payments if you wish or pay the amount in full ( all interest free ) after the 6 or 12 months is up , and yes they can and should amend your credit report ........ring them and play havoc i'd say ,........good luck
#3
It just says payments are 2 months late on credit expert.

I only took it out in october and when I log into additions direct it says I have a Buy Now pay later on the account.

I transfer money into another account until 2 months before the "BINPL" runs out.
#4
shopstilldrops
Thats wrong , if you opt for bnpl then you have a choice of making monthly payments if you wish or pay the amount in full ( all interest free ) after the 6 or 12 months is up , and yes they can and should amend your credit report ........ring them and play havoc i'd say ,........good luck



Yeh I thought soo... Ive had a mobile contract for 3 years and never missed a payment, Paid a loan of without missing payments and now this has made my rating really crap...

I dont even have credit cards or anything else on credit..

I got refused on a vodaphone contract last week hence me checking my rating.
#5
i would ring additions see what they say and then maybe ring creditexpert and explain if additions cant help as im sure they can ammend your credit report if somethings wrong.
#6
Did you pay for the P&P charges? I believe these don't get added to the buy now pay later.
#7
birdyboyuk
Did you pay for the P&P charges? I believe these don't get added to the buy now pay later.


If this is the case then shouldnt they of sent statements for this to notify the op of a payment ?
#8
shopstilldrops

If this is the case then shouldnt they of sent statements for this to notify the op of a payment ?


I think they send statements anyway even if you don't owe anything, but have stuff ordered on the account.
If OP has these statements showing nothing is owed, the he has the proof.

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!