Payment 1 day late recorded on Equifax?

melbell

rb10 wrote: »

All the major banks and building societies agreed to support those customers who have been affected by the RBS/Natwest computer failure.

Remember that it is not hieveryone's fault that this happened.

They are under no obligation too. Plus it is still upto the debtor to make sure payments are made RBS/Natwest were offering cash and bill payment services. So the OP could have had it paid.

fozmcfc

hieveryone wrote: »

So I used the wrong terminology, big deal.

For those who are genuine and can actually help me, I have spoken to Barclaycard on the phone.

Statement was issued on 18th May, for payment due 21st June. Text received by me on 23rd June and payment made over the phone. 2 days late, I thought it had only been one.

Barclaycard have told me that they applied for the Direct Debit from the RBS on the 18th June which was knocked back. Therefore, making it the RBS' 'fault'. (as there is plenty money in the account to cover the DD)

I shall call the RBS and see what they make of it.

Incidentally, the Direct Debit is listed as 'reinstated' on my RBS list of payments?

Thank you to those who have helped so far.

I agree that you should be refunded any charges and also your credit record straight because it was a direct debit.

However, the correct terminology in this case was very important and it's important to point out this, as the outcome to the issue normally is very different.

A standing order is taken on a specfic day each month, because statement payment dates vary, sometimes the standing order isn't paid in time to reach an account. In this case, it is the customers fault and no charges should be refunded or credit records altered.

Providing cash is available, a direct debit should always be paid and it is up to the card company/bank to ensure it is asked for and paid ontime. If it isn't then charges should be refunded and credit records altered.

fozmcfc

melbell wrote: »

They are under no obligation too. Plus it is still upto the debtor to make sure payments are made RBS/Natwest were offering cash and bill payment services. So the OP could have had it paid.

The direct debit should have been asked for and paid by RBS group. In this case it wasn't because of the issues.

RBS group have already stated that people will not be out of pocket or have credit records spoilt, as a result of their problems.

The OP made a mistake in saying a standing order, but has made it clear it is a direct debit.

In this case not only is it a direct debit, so they have protection under the direct debit guarantee, but the RBS problems, make it clear why it wasn't paid.

Yes Barclaycard could still say, we don't care, you paid us late, but as has already been pointed out, they are not saying that.

hieveryone

melbell wrote: »

They are under no obligation too. Plus it is still upto the debtor to make sure payments are made RBS/Natwest were offering cash and bill payment services. So the OP could have had it paid.

Seriously, what is your problem? Are you a banker?

My mother taught me a phrase a long time ago. If you don't have anything nice or useful to say, then say nothing. Maybe try that.

As has been pointed out, the DIRECT DEBIT which has been set up for 3+ years was called for by Barclaycard to RBS, who rejected it because of their problems.

In three words - NOT MY FAULT. When I set up a direct debit, I expect it to be taken as I have instructed. I pay RBS £12.95 a month to run my account in a satisfactory manner and I don't expect to have to watch their backs every month to pay my dd's when I know there's plenty of money in the account.

I dont agree with living in a 'blame culture', however, in this case I am NOT to blame.

RBS seem very supportive and I'm sure will do everything they can to help me.

Thank you to those for genuine, and useful, help.

pepper33

Sorry to butt in, but I find Equifax useless, the info they have on me, is about 4 months out of date. Experian is always up to date with searches, removing defaults etc.

Cell

melbell wrote: »

They are under no obligation too. Plus it is still upto the debtor to make sure payments are made RBS/Natwest were offering cash and bill payment services. So the OP could have had it paid.

Against my better judgement I'm taking you at face value, even if you don't seem to have understood the problem.

How would you know that a DD hadn't gone through until the day after it was supposed to have? By then it's too late. Are you saying that RBS customers should have paid their DDs by other methods before they knew whether the DD was going to be taken? Not only did that require a fortune teller's skill, but if the DD HAD been taken then there would be double payment which many would not been able to afford.

To give you an example on 25th month I have DDs coming out into four figures. Should I have double paid those 'just in case'?

As it is the DDs DID go through, so far as I know.

If a DD fails due solely to the paying or receiving bank's systems failing when it would otherwise has succeeded a customer should not be penalised. If they were then the entire principle of DDs would fall apart.

hieveryone

pepper33 wrote: »

Sorry to butt in, but I find Equifax useless, the info they have on me, is about 4 months out of date. Experian is always up to date with searches, removing defaults etc.

Really? I have the Credit Watch thing which emails/texts me whenever there has been a change to my file and it always seems pretty accurate?

However, I will check out Experian too, thank you.

johnmorgan89

melbell wrote: »

They are under no obligation too. Plus it is still upto the debtor to make sure payments are made RBS/Natwest were offering cash and bill payment services. So the OP could have had it paid.

Yes but the media is already looking for dirty bank stories in any shape or form. No bank in their right mind would not support affected customers right now, the backlash would be catastrophic in pr terms .

hieveryone

johnmorgan89 wrote: »

Yes but the media is already looking for dirty bank stories in any shape or form. No bank in their right mind would not support affected customers right now, the backlash would be catastrophic in pr terms .

The backlash would be catastrophic in my phonecalls to RBS! lol

On a serious note, previously this wouldn't have bothered me, but as a keen MSE and having recently moved house, I am keen to keep my credit file/score healthy.

Incidentally, Experian rate me as 998 - I would *not* have expected that!

Experian_company_representative

I wrote a Q&A on this issue on our website recently because we were getting a lot of similar queries. You may find it useful - it's here.

Lenders do usually exercise some discretion before registering late payments with the CRAs and I would definitely take this up with the card provider as they will be aware of the recent issues.

James Jones