Missed Payment due to current account switch

geek1981

Hi

I have a lease car from Nissan financed via RCI and pay direct debt for monthly instalments. Recently i used the current account switching service to switch to Halifax and all my direct debts were moved to the new account. I also received a letter from RCI stating that the DD mandate was setup correctly with the new account before my payment date. I didn't bother looking at my online banking to check if they took payment as i received confirmation from RCI it's all setup correctly. However last week i received a call from RCI saying there was a missed payment and i had to pay £12 late penalty. I noticed they have taken payment for the following month with direct debt already so it was only 1 month they didn't attempt to take payment from me. I also received a letter by post with a 'default sum statement'.

I really got annoyed and raised a formal complaint with them via email stating all the facts and copies of letter i received. I received a call yesterday from them apologising that it was a fault on their system and refunded my £12 into my current account. They also told me it will not affect my credit rating as it was not notified to anyone. I'm not sure if i can trust them as the default sum statement says i have missed one payment. Anybody know that is the process of lenders notifying credit agencies if there is a missed payment? I guess lenders should be giving their customers few days for a chance to make payment before notifying credit agencies? Is that right? I have asked them to send me a letter stating that it was their fault, is there anything else i should ask?

Thanks!

Pablosammy

Keep copies of correspondence. After giving it a month or two to allow time for updates, I'd check Noddle, and request statutory reports from Equifax and Experian. If there is a default recorded, then make sure you contact each agency with the details.

PaulW922

These things tend to be automated so it worth checking in a month or two as Pablosammy says. It is possible the file might update with a late payment automatically and then be corrected afterwards.