We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Missed card payment due to fathers death
Options

emmdee57
Posts: 37 Forumite

in Credit cards
Hi guys. My father passed away on the 5th April and in all the running around and attempting to sort out his affairs I inadvertently didn't pay that month's credit card installment. When I realised the following day I made the payment. Do I have grounds to ask the credit card company to refrain from putting that black mark on my credit record?
Any assistance greatly appreciated.
Thank you
Any assistance greatly appreciated.
Thank you
0
Comments
-
You can ask. They don't have to but often will if it is the first time it has happened.
Set up a direct debit when you speak to them.0 -
As above, ask them nicely.
You really should have set up a dd when you got the card.
Set one up at the same time to avoid this happening againmake the most of it, we are only here for the weekend.
and we will never, ever return.0 -
Sorry to hear about your father. If you ask they're very likely to waive the fee (£12, I assume?) but removing the credit score would actually be distorting the truth so they probably won't do that as the industry requires accurate reporting of credit history in order to function and it's very important for our whole system to report things as they happen - understandable extenuating circumstances or not. Worth a try, though!0
-
One day late? They might not even have reported it negatively.0
-
Which CC is it?0
-
PeacefulWaters wrote: »One day late? They might not even have reported it negatively.Optimists see a glass half full
Pessimists see a glass half empty
Engineers just see a glass twice the size it needed to be0 -
-
PeacefulWaters wrote: »One day late? They might not even have reported it negatively.
Agree.
The CCs generally report the status of the account monthly. So you're unlucky if you're reported for being one day late.
That said, and whatever the phone operator says, CCs aren't too brilliant at removing a "black mark". Some would argue that they shouldn't anyway, if indeed the payment is late - because then the record becomes inaccurate. There is a mechanism for you to "add a note" to the system, but frankly a single missed payment has very little effect, especially after 6 months.
CCs will generally remove charges in situations such as this, especially if it is the first time.0 -
Thank you guys. I really appreciate your replies. The CC is Virgin and they added their charge immediately. As soon as I realised I set the DD up so it shouldn't happen again.0
-
Thank you guys. I really appreciate your replies. The CC is Virgin and they added their charge immediately. As soon as I realised I set the DD up so it shouldn't happen again.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards