Missed Credit Card Payment

gtyrel

Hi,

I am not sure if i am posting this in the right place or if anyone is even able to help me.

Basically i got home from work on wednesday and my credit card bill had arrive i opened it never read it because it was so late and sat it in my kitchen to look at on thursday. i got home thursday night(last ngiht) from work to have another credit card bill. thought that was a bit odd opened it to see it was telling me i hadnt paid my last bill and was now in arrears and all the usual stuff they tell you, and my payment was due for this bill. so i checked the one i got on wednesday to discover it was my dec bill and the payment date was 26th dec, i phoned virgin straight away, they refunded the charges but said any markers put on my credit record they wouldnt remove as it was my problem i didnt get the bill not theirs they sent it out on time.

The thing is i have never in my life missed a payment or even been late for a bill, i also never just pay the minimum amount so they can see this is totally out of the ordinary for me. i know it was my own fault for not realising i hadnt recieved a bill.

i was just wondering if anyone new what i could do to try and sort the credit score or any hints on letters i could write just explaining this has never happened before i always pay well before my bills are due and always 4 times the amount of the minimum payment so not paying at all one month is completely out of character. also the big problem is i could loose my job having this sort of mark on my credit score, so i will be speaking to my manager today.

any advice or hints or anything anyone has would be greatly appreciated.

Thank you in advance xx