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Unpaid Transaction Fee & Credit file

benn25
benn25 Posts: 11 Forumite
edited 23 March 2015 at 1:12PM in Budgeting & bank accounts
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.

Comments

  • stclair
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 Group
    However Any Opinion Given On MSE Is Strictly My Own
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