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    Help with buy now pay later

    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?

    8 Comments

    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.

    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

    Original Poster

    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.

    Original Poster

    shopstilldrops

    Thats wrong , if you opt for bnpl then you have a choice of making … 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.

    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.

    Did you pay for the P&P charges? I believe these don't get added to the buy now pay later.

    birdyboyuk

    Did you pay for the P&P charges? I believe these don't get added to the … 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 ?


    shopstilldrops

    If this is the case then shouldnt they of sent statements for this to … 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.
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