Marked as missed payment due to illness

Tayglass

Hi All,
I have worked very hard over the last couple of years to get myself and my credit file into a good state only to suffer a stroke a few months ago.
The stroke meant that I had to arrange for a payment break from my loan provider which they did with little fuss.
Only issue I have is that they have marked my credit file with missed payments even though this period out was agreed, obviously I couldn’t work for a while and provided them with sick certificates from hospital and doctor.

My question is that as this seems unfair to me to marked as missed payment, is this right?

[Deleted User]

It's correct that it's marked as missed payments.

Their agreement was to allowing you to miss those payments without chasing you.

Westminster

You could add a notice of correction with the credit reference agencies against that account explaining the situation.

However I doubt it will make much difference and will also likely prevent any online instant approvals as the notice has to be read by a person rather than the computer.

Essentially time is the healer in this situation and as long as you don!!!8217;t have any further missed payments (set up a DD if you can) then after a year or so it won!!!8217;t matter.