Help needed with missed DD on credit report

ninjitsu

Good evening

I hope you good people on here might be able to help me with the following.

I have been looking at my credit report and noticed that on a old HSBC current account that i have missed direct debits dating as follows

1 missed payment july 2007
" " april 2008
" " march 2009
" " sept 2009
" " dec 2009
" " june 2010
" " sept 2010
On investergation of these direct debits they went out of my account early than i expected but i put the money in the same day or the following day to cover the amounts.
Now my question is can HSBC put late payment marker on my credit file for being at best one day late ?
I have searched the forum and i can see that some people say that it has to be 30 day over before they put a marker on your file but i think this is for credit cards as i cant find any referance to bank accounts.

I hope someone can help.

Many thanks

ninjitsu

Hi

I really would apresiate some advice on this.

Many thanks.

notrouble

If a DD is bounced due to lack of funds then ... it bounced. Whether you then credit the account a day, a week, a month later does not alter that fact.