Forgotten payment

Motherof3_2

I had a similar thing happen last year when I added an extra week on at a later date and they didn't put the correct charge. You will have to pay but if you speak to them they should let you stagger the payment as it was their error first. They actually reduced the amount by 10% for me and I think this was because I did keep in contact with them about it all. Good luck , hope you had a great holiday too.

fluffnutter

pcombo wrote: »

lol not much they can do. If it was me in this situation i would just ignore it.

There's plenty they could do. The company has every right to expect this payment. They can demand it, instruct debt collectors, start court proceedings, adversely affect a credit rating, and ultimately request a CCJ. I don't fancy any of those. Terrible advice to just ignore it.

sarahg1969

fluffnutter wrote: »

instruct debt collectors, start court proceedings, adversely affect a credit rating, and ultimately request a CCJ.

Right, but in the wrong order.

Your credit rating wouldn't be affected until AFTER a CCJ had been issued and only then if you ignored it and did not pay within 28 days.

fluffnutter

sarahg1969 wrote: »

Right, but in the wrong order.

Your credit rating wouldn't be affected until AFTER a CCJ had been issued and only then if you ignored it and did not pay within 28 days.

Thanks for the clarification although I wasn't necessarily specifying a particular order. But now you mention it, I thought companies could place default notices on credit files with or without court proceedings or a CCJ, e.g. a missed credit card payment. Is this only certain types of company?

sarahg1969

fluffnutter wrote: »

Thanks for the clarification although I wasn't necessarily specifying a particular order. But now you mention it, I thought companies could place default notices on credit files with or without court proceedings or a CCJ, e.g. a missed credit card payment. Is this only certain types of company?

Yes - it's only if you've entered into a credit agreement with them that you would get a strike if you defaulted.

Pollycat

BigLee_24 wrote: »

Agree with scottishblondie..... offer them a set amount over a set period of time to pay it off, as long as your reasonable they should accept it :A

This makes total sense.

You're in the driving sat as you've already had your holiday so they can't with-hold anything from you i.e the holiday.

However, as others have said you are liable to pay this money so to ignore their demand would be just plain silly.

However, as you have the upper hand, I would write to them and offer to pay £x amount per month until it's paid off if you can't afford to pay the full amount in one go.

What is the tone of their letter?
Is it polite and reasonable? It was THEIR error so I might take exception to a demand and offer less per month than I might have done if they were polite and apologetic.

Another thing to consider is that the "dopey girl" might be in trouble over her mistake.

How much is it, by the way?

AND - here's a good tip - start checking your statements!
Next time the situation may be totally different and some company may be taking more money from you than they should be and it will be YOU chasing THEM for repayment.