Help Please..

mrsjones2be

Hi all,

Right I currently have a mortgage with Halifax, fixed for 5 years which ends in Feb 2012..

Well I am having a nightmare with barclaycard, I stupidly missed a payment, which i paid a few days later & they have recorded this on my credit file last month as payment late & account overdue? I paid it!!!
Well i paid this months by direct debit, and having checked my file again they have again recorded another late payment mark so now i have two late payment marks!!!!!!!

My worry is now that when my mortgage is due for renewal in feb 2012, will i be ok getting a remortagage.??

I took out my mortgage for £95k, Propert is worth aprox £105,000 in current climate. I currently owe £90,300, my rate is fixed at 5.49..

Help appreciated..

TotallyBroke

If you don't agree with it tell the credit reference agency, they will then dispute the information with Barclays. I do not think a couple of late payments will make too much of a difference.

maninthestreet

If you pay by DD, then it's Barclaycard that requests payment from your bank.
Perhaps you need to speak to Barclaycard and find out why the have registered a late payment against you for a DD payment.

markelock

contact barclays to dispute it.

what's the rate you'll drop down to?

surely even in a worst case scenario, you could stay with your lender and the repayments would be less that your current APR.

mrsjones2be

I will be disputing this with barclays im currently trying to transfer the balance off their card to interest free one..

I will obviously go onto svr in feb 2012, when our fixed deal comes to an end, no idea what rate will be like then. But I would like the opportunity to have another fixed rate & dont want late payments on barclay card to effect me..

mrsjones2be

Do you think a couple of late payment marks will stop me getting good fixed rate.

brettarider

i had a similar issue with another debt I had, If you have access to your credit report through experian or similar. look online and find out how to add a notice of correction on your credit file it's not hard to do, must be under 200 words. I done this a few weeks ago and the black marks were removed from my file within 2 working weeks

sgh1976

I had an issue with some defaults and a CCJ in my name at an address I hadn't lived at for years. Yet a few years ago I had these put against my name.

About 3 weeks ago I contacted Equifax and this morning recieved an email telling these have now been removed from my file.

mrsjones2be

Yeah i may do that as they have also put mark saying Account overdue??? I have paid it.. It shows 1 payment late on account, however on summary screen it shows 2 late payements !!!!!!!!

Any ideas if this will affect re mortagage in 2012..

happybroker

I doubt it.