Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • DHanton
    • By DHanton 16th Oct 16, 9:03 PM
    • 4Posts
    • 0Thanks
    DHanton
    Late payment charge, prior to completion! HELP
    • #1
    • 16th Oct 16, 9:03 PM
    Late payment charge, prior to completion! HELP 16th Oct 16 at 9:03 PM
    Hello,

    I am due to complete on my first house this coming Friday, the 21st.

    I have a very account which I pay monthly. Due to being preoccupied with the purchase of the house I completely forgot about the payment! I have been so stressed out with the house that I made myself ill and am not as organised as usual.

    I am sick with worry that the Mortgage lender will do a final check and this will show and worried my mortgage offer will be withdrawn.

    I spoke to three different advisors at very who have all told me to not worry and said I could have this charge removed as I have since made 3 payments on the account after 3 days of the payment being due.

    Can someone please help! We are 4 sleeps away from completing and I would be devastated if this was the reason we couldn't proceed.
Page 1
    • lee111s
    • By lee111s 16th Oct 16, 9:19 PM
    • 2,465 Posts
    • 1,751 Thanks
    lee111s
    • #2
    • 16th Oct 16, 9:19 PM
    • #2
    • 16th Oct 16, 9:19 PM
    Have they recorded it as a late payment on your credit file?
    • mije1983
    • By mije1983 16th Oct 16, 9:29 PM
    • 2,158 Posts
    • 17,468 Thanks
    mije1983
    • #3
    • 16th Oct 16, 9:29 PM
    • #3
    • 16th Oct 16, 9:29 PM
    Is there a reason you've posted this again when you have already had replies on your other thread?

    http://forums.moneysavingexpert.com/showthread.php?t=5541340

    • DHanton
    • By DHanton 16th Oct 16, 9:42 PM
    • 4 Posts
    • 0 Thanks
    DHanton
    • #4
    • 16th Oct 16, 9:42 PM
    • #4
    • 16th Oct 16, 9:42 PM
    When I spoke with one of the advisors, they told me to not worry as this wouldn't show but I am worried it has! If I was to check my credit file on Experian would it show that I've made a search?
    • -taff
    • By -taff 17th Oct 16, 7:26 AM
    • 6,458 Posts
    • 3,731 Thanks
    -taff
    • #5
    • 17th Oct 16, 7:26 AM
    • #5
    • 17th Oct 16, 7:26 AM
    Thanks everyone for your advice and help.

    I think I will be ok, I work in the mortgage industry and colleagues advised I should be fine. I've had a formal offer from Santander and exchanged contracts 4 weeks ago.

    Due to vendor being away, completion wasn't able to be sooner which is why we chose next Friday.

    When I spoke to one advisor at very they said the late payment charge would be removed as I have made 3 payments since receiving the text message from them.

    If I was to check Experian would this flag with the mortgage lender?

    I usually pay on time but we have had the most stressful process with this house (due to restriction problems at land registry) I completely forgot and my head just wasn't as organised as usual.
    Originally posted by DHanton

    So stressed you forgot you already posted once?


    You've been told by three different advisors and numerous forumites it's fine.


    It's fine.
    • Guest101
    • By Guest101 17th Oct 16, 10:27 AM
    • 11,985 Posts
    • 11,429 Thanks
    Guest101
    • #6
    • 17th Oct 16, 10:27 AM
    • #6
    • 17th Oct 16, 10:27 AM
    When I spoke with one of the advisors, they told me to not worry as this wouldn't show but I am worried it has! If I was to check my credit file on Experian would it show that I've made a search?
    Originally posted by DHanton


    Ofcourse not...
    • deannatrois
    • By deannatrois 17th Oct 16, 10:44 AM
    • 4,327 Posts
    • 6,020 Thanks
    deannatrois
    • #7
    • 17th Oct 16, 10:44 AM
    • #7
    • 17th Oct 16, 10:44 AM
    You are four days from completing. You have been assured it won't show. Even if it did, what could you do? Just concentrate on packing.., there's no point at all in worrying about something that you can't change.., particularly when it looks as if it won't affect your mortgage application.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

429Posts Today

1,732Users online

Martin's Twitter