Late payment errors

Jessiecat_2

Hi there

I'm new to the site, but wanted a bit of advice. I have an Abbey credit card at 0%, but for the last 2 months have been charged late payment fees, despite having paid on time. Each time Abbey has apologised and refunded the fees, saying it's a system error, but I am really worried this will have been logged on my credit file and affect my rating.

Has anyone else had a similar experience?

Many thanks

exel1966

Typical ShAbbey !!!!-up. It's unlikely they've been reported as they are not missed payments, but the only way you'll be able to check is to obtian your credit ireports in a few weeks time.

DO NOT take their word that they have or haven't been reported. If I were you I would immediately register a formal complaint in case if reoccurs and leads to further problems.

geet

Hello, I have been travelling the last two months and so have been as usual paying my monthly minimum £5 for abbey credit card. Now I am back, I logged into account and checked just to be sure and lo they have taken £12 late payment fee the last month. This is because the minimum payment has been changed to the other end and they have not notified me. I called and talked to them and they say they do not have to notify me and that changes in minimum payment can happen according to T&C. But they said they will repay £12 if I pay £268 or so (Nov and Dec minimum payment) by Dec 24!

Now, my worry is even if I do pay back the amount and get the £12 back, will my late payment get reported to credit file.

Also, I would suggest that jessiecat make sure there is no change in minimum payment.

Thanks, G.

exel1966

Minimum payments were changed from 6th Oct 08.