so upset and angry

Frank28

so we moved into the place we got left by a parent we needed to take a remortgage out to buy someone out off there share all good to go to aply for the remortgage and noticed this morning that virgin media have place a late payment mark on the crefit file we paid they even said on the phone it shouldnt be there has this completly mucked up our remortgage am so upset about it
not even sure if this is a question or just me needing to rant but i could actally cry that we could lose the house because of this company not adding the payment on to the newly opened account at the new address
thanks in advance

ashp_2

Hi,

Your post doesn't entirety make sense. Did you make a late payment? When was this?

If virgin media have made a mistake they should correct this without delay. If you did make a late payment they are unfortunately not obliged to remove it but may do so in some cases as a gesture of good will.

Frank28

there now saying it was a late payment in january but have mark it on the new account which wasnt opened up to mid feb i think its because they didnt swap the payment i made to the new account at the new address we was going with nationwide will a late payment mark this recent affect the remortgage we stack up everywhere else with only a 24%ltv

IAmWales

Your post would make far more sense with some punctuation.

What were you paying for in January if the account was opened in February? If you transferred your service to a new address that would still be on the same account, so the late payment has been reported correctly.

ACG

Has your application been submitted in full?

ashp_2

From what you have said it seems virgin are satisfied the late payment markers is justified.

I couldn't say if this will have an effect on your application to nationwide. If it does you will still have other options.

Frank28

nevermind looks like that remortgage will go tits up . we had a dip with nationwide only because off some delays that runs out in april so would have to be redone which am guessing will be harder to get another dip with this late payment marker had a really good rate and everything on last dip

ACG

Mr Negative!
I hate it when people automatically assume the worst. Become a hippy! Think positive and positive things will happen.

As your application has not yet gone in, it is hit and miss to determine whether or not you will pass another credit check. If you can hold off until it shows as the arrears have been cleared I would be relatively confident of getting it through at normal rates. If you cant wait for that, then it is a tricky one to call.

Either way, getting a Mortgage should be fine and at normal rates, it may just not be quite as good as Ntionwide but there are too many ifs and buts to say for sure whether or not Nationwide will accept you.

Frank28

sorry was a bit upset and angry before would i just have to wait the one month till its updated so the yellow one is a month old turns to a green tick as that might be ok emailed my broker this morning just waiting to hear back god i good kick myself i really could first yellow mark in ages too ��but thanks for your help

Frank28

quick update after a long phone call to virgin the man on the phone stated no this is mistake so i have had to email there credit file amendments team for them to correct it what a stressfull afternoon i knew i didnt miss a payment
thank for your help