Missed card payment due to fathers death

williham

I've missed payments on lots of cards, as long as it's only once they will refund you and remove the mark from your credit record.. I never miss them a second time!

chattychappy

williham wrote: »

I've missed payments on lots of cards, as long as it's only once they will refund you and remove the mark from your credit record.. I never miss them a second time!

(emphasis added)

Curious. Have you actually:
1) Seen the missed payment reported as late on your CRA report.
2) Then seen it gone?

Only on two occasions have I had late payments reported (CC errors). On the first occasion was told it wouldn't have been reported. It was. They said they'd remove the report. They didn't. I complained. They apologised, sent me two bottles of wine and said they would remove it, they didn't. On the other occasion, they said it had been reported as late and that they would remove the report. They didn't.

I got the impression that operators often just say these things either when they are not supposed to, or without having the facility to action it properly. Getting late payment fees refunded does, in my limited experience, happen if it's been promised.

eskbanker

chattychappy wrote: »

Curious. Have you actually:
1) Seen the missed payment reported as late on your CRA report.
2) Then seen it gone?

If this was true on 'lots' of occasions it would make a mockery of the credit file processes - it's one thing to have a one-off glitch corrected but it would be highly misleading for an apparently serial 'offender' to have a squeaky clean credit record!

chattychappy

eskbanker wrote: »

If this was true on 'lots' of occasions it would make a mockery of the credit file processes - it's one thing to have a one-off glitch corrected but it would be highly misleading for an apparently serial 'offender' to have a squeaky clean credit record!

Yes, I think it should only be removed when it there was a bank error. People shouldn't be able to get these things changed as a goodwill gesture.

For people who are interested in scores, I get the Experian score via Barclaycard. My score was 999 and following my second missed payment it dipped to 850 (or something). It recovered back to being 999 within 6 months.

My advice to anyone missing a payment is by all means call to get the fees reversed if possible. Money is money. But I wouldn't worry about the "black mark".

shiny76

emmdee57 wrote: »

Any assistance greatly appreciated.

Were you on a 0% deal? If so, you may want to check you're still on it.