missed 2 x payments, will it show anywhere?

longwalks1

last 2 months Ive missed my mortgage payments, phoned them both times before the date and let them know and they said its fine, you'll incur a £8 charge and to call and make payment when you have been paid (my mortgage money comes out 2 days before payday)

will this effect my rating in anyway?
Thanks

Thrugelmir

britishboy wrote: »

will this effect my rating in anyway?
Thanks

Would concern a potential lender obviously.

kingstreet

If you are paying on, or before the due date, you will be fine. If paying late, you should order your credit files to see if these are being noted as late payments.

Mortgage lenders do not like late or missed mortgage payments at all.

sulphate

Your best bet would be to check your credit files to see if these are being noted as late payments, although you calling to tell them it will be late probably puts you in better stead than if the direct debit didn't go through without you informing them in advance.

Thrugelmir

britishboy wrote: »

last 2 months Ive missed my mortgage payments, phoned them both times before the date and let them know and they said its fine, you'll incur a £8 charge and to call and make payment when you have been paid (my mortgage money comes out 2 days before payday)

will this effect my rating in anyway?
Thanks

I see you've another thread running. Best to keep everything together as otherwise the picture is incomplete.