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Unpaid Transaction Fee & Credit file
benn25
Posts: 11 Forumite
Hi guys. Wonder if you could help.
I think I may have destroyed my credit file. Im looking to apply for a mortgage in the autumn and spent the last 2 years making sure Im in an excellent position so get accepted. Never had a CC before 2 years ago. Ive paid CC on time everytime, no defaults, nothing. My credit file/history is clean as a whistle.
Now silly me have just received 2 unpaid direct debit transaction fees for £8 each totalling £16 from Barclays. Ive paid them no problems and my account apart from those 2 has always been kept in excellent standing.
My question is, will Barclays deem this as 2 defaults and send off to the CRA? Because if so Ive just f**** up 2 years hard graft. Im absolutely panicking as everything was set up nicely and I may have just destroyed any chance of getting mortgage for another few years.
Any advice greatly appreciated. Thanks in advance
EDIT: Just to add to save confusion. These fees were for my current account not my CC.
I think I may have destroyed my credit file. Im looking to apply for a mortgage in the autumn and spent the last 2 years making sure Im in an excellent position so get accepted. Never had a CC before 2 years ago. Ive paid CC on time everytime, no defaults, nothing. My credit file/history is clean as a whistle.
Now silly me have just received 2 unpaid direct debit transaction fees for £8 each totalling £16 from Barclays. Ive paid them no problems and my account apart from those 2 has always been kept in excellent standing.
My question is, will Barclays deem this as 2 defaults and send off to the CRA? Because if so Ive just f**** up 2 years hard graft. Im absolutely panicking as everything was set up nicely and I may have just destroyed any chance of getting mortgage for another few years.
Any advice greatly appreciated. Thanks in advance
EDIT: Just to add to save confusion. These fees were for my current account not my CC.
0
Comments
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Barclays don't record bounced direct debit payments to the CRAs like HSBC and First Direct do. Providing your account was put within its agreed limit quickly it won't have any impact at all.Im an ex employee RBS GroupHowever Any Opinion Given On MSE Is Strictly My Own0
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