Late payment - sooo angry with myself

Moggles_2

purpleems wrote: »

Moggles - in answer to your query it's Virgin (MBNA)

Judging from posts to this board, Virgin/MBNA do not report late payments to the CRAs in these circumstances.

Note for future reference: lenders vary in this respect, as with everything else. Some (eg. Barclaycard) always report late payments, even when their staff have promised
otherwise :rolleyes:

purpleems

Thanks Moggles - fingers crossed that is the case! I know what you mean about different answers in the same company as this is what propmpte me to post the thread!

Direct debit definitely set up now so it shouldn't happen again!

bigbloke45

At least set up a Direct Debit for the minimum payment!

chris9104

Ask for written confirmation that they wont put a mark on your credit file, then at least you have proof it should be removed if it is put on

purpleems

Thanks Chris9014 - will do

Edited to say - have just checked credit card online and £12 fee has been refunded - so that's promising I guess!

lynxptc

You could have made the payment using the CHAPS system which will clear it with them the same day. Would have cost about £20 to do but at least it would have been there on time.