Removal of 'late payment' from credit file

emlouwat

Hi all-

Earlier in the year I received a £665 phone bill from T Mobile (long story that I had previously posted about- appears someone had managed to use the sim from an old (over three years old) dongle that had been thrown away and make calls to Romania and Poland etc etc)

I made contact with T mobile and wrote a long letter of complaint- this all took approx 6 weeks in total. In the end it was quite clear that T mobile held me accountable for the calls and I had to pay the money.

Yesterday I obtained my credit report and T mobile have listed me as paying late on the report.

I was obviously reluctant to immediately just pay £665 without going all through various channels trying to ascertain how this had happened- hence time frame.

I want to re-mortgage soon and I am worried that this will adversely affect my application.

any advice?

Tixy

Because it is recent it likely will affect any imminent credit applications, including a remortgage.

Is it just showing as a late/missed payment for 1 month? or more than 1 month?

You could try contacting tmobile and asking them to consider removing the entry by aruging that it was a disputed transaction rather than a true late payment, and that you paid as soon as the dispute was finalised (if you did).

If that doesn't work then you could conisder adding a notice of correction to your credit files to briefly explain that it was a disputed transaction.

With regards to remortgaging - are you hoping to switch to a different mortgage provider or a different product with the same lender? you might find the latter is easier if it is an option.

emlouwat

Hi- Thanks for your reply.

I will follow your helpful advice and contact them today.

adindas

emlouwat wrote: »

Hi all-

Earlier in the year I received a £665 phone bill from T Mobile (long story that I had previously posted about- appears someone had managed to use the sim from an old (over three years old) dongle that had been thrown away and make calls to Romania and Poland etc etc)

I made contact with T mobile and wrote a long letter of complaint- this all took approx 6 weeks in total. In the end it was quite clear that T mobile held me accountable for the calls and I had to pay the money.

Yesterday I obtained my credit report and T mobile have listed me as paying late on the report.

I was obviously reluctant to immediately just pay £665 without going all through various channels trying to ascertain how this had happened- hence time frame.

I want to re-mortgage soon and I am worried that this will adversely affect my application.

any advice?

Based on my personal experience and also reading experience from people in this forum, I will say, You will need to be "EXTREMELY LUCKY" if it could be removed without a huge fighting, exhausting a lot of resources (mostly time, phone bills, postage)

The reason is simple "what incentive for both party, the lender and the CRA to do so ". This is a secret collusion between the lender and CRAs. The CRAs get the power from lender, the lender could threaten to customer who does not comply to what they want.

But people who wanted to contribute to a better and fair CRA will fight back irrespectively of the effort needed.