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i've been stupid,anything i can do?
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This brings home two important issues.
1) Set up a DD to pay at least the minimum payment each month.
2) Check accounts regularly, even unused accounts as you never know they could be compromised.0 -
Well MBNA were great, the manager i spoke to was brilliant. He was sympathetic and understood, and was able to see what had happened. So i got a refund of £1254 (9 months) of interest, and 10 months of late fees £120. DD setup and date moved to start of month.Credit is not affected as payments were made, just late so credit file intact. i'm happier about things now . thanks for advice and info folks.
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pope_acute wrote: »Well MBNA were great, the manager i spoke to was brilliant. He was sympathetic and understood, and was able to see what had happened. So i got a refund of £1254 (9 months) of interest, and 10 months of late fees £120. DD setup and date moved to start of month.Credit is not affected as payments were made, just late so credit file intact. i'm happier about things now . thanks for advice and info folks.
Won't the payments have been reported as 'late' each month?0 -
Wow, that was lucky :Tpope_acute wrote: »Well MBNA were great, the manager i spoke to was brilliant. He was sympathetic and understood, and was able to see what had happened. So i got a refund of £1254 (9 months) of interest, and 10 months of late fees £120. DD setup and date moved to start of month.Credit is not affected as payments were made, just late so credit file intact. i'm happier about things now . thanks for advice and info folks.Changing the world, one sarcastic comment at a time.0 -
I would definitely check your credit file OP. Good news on the face of it though.0
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Fantastic, that's great to hear and I imagine a massive weight off your shoulders. Really nice to hear a common sense approach from MBNA too.0
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Phew!!!!! That's a relief!
Use CheckMyFile.com for your free credit rating and scores (30 day free trial)0
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