Has anyone any experience of having their CCR register negatively marked? My CCR rating was marked negatively late last year by Pepper despite the fact that I'm continuing my monthly repayments to them. My loan expired in 2016 and I continued to repay at the same rate of capital & interest repayments for the past number of years and Pepper continued to collect. However they recently changed my grading on the CCR to negative. This is impacting my ability to re-finance. They state that because my loan is expired they now have to classify this as being in arrears despite the fact that it has been expired for years. They say they have changed their reporting policy and how they report on the CCR. Has anyone any experience or advice on this matter? At my wits end.