Sainsbury's Credit Card - So Called Missed Payment

sueshells

I have a Sainsbury's credit card and decided to increase my monthly repayments in order to pay off the balance more quickly. Following this my next statement showed a missed payment. When I queried this with Sainsbury's they told me that I was supposed to make a manual payment for the first payment following the change but then said that this was not clear on the website and that any late payment would be removed from my records. They also said that they had now improved the wording on the website so that people actually knew that a manual payment was due.

Just checked my credit score and the "late payment" is showing and affecting my score. The catch-up payment is due on 14/11/18 but I was assured that my score would not be affected. I'm angry as I have been very careful to manage my credit properly.

Will be contacting Sainsbury's again but felt that it would be sensible to bring this to other people's attention in case they have also fallen foul of Sainsbury's poor practice.

[Deleted User]

I wouldn't worry.

Chase them up to remove the late payment as they promised and ignore the score. It won't recover to previous levels but that's fine, as it's not an indicator of anything.

maxximus75

Sometiems if a late payment marker had been added, it can take another cycle to be removed.


If you press them.... they can send off a notice of correction to the CRA before their monthly reporting cycle is due to have the marker removed.

Terry_Towelling

Aside from the annoyance you feel about the issue, exactly what is it that is upsetting you about the temporary hit taken by your so-called credit score, and why? Has your house fallen down or your car blown up? Do people ridicule you in the streets because you now look inferior and have to hang your head in shame?

Apologies if you don't find my post helpful but there are more important things in life to get angry about than a set of seemingly random numbers rising and falling.

18cc

Well, now you come to mention it.....

scott_lithgows

Creation have done something like this to me,i,m taking it to the ombudsmen.

Jaxer

I'm in the same position with Sainsburys not collecting my Aug direct debit after I had manually amended it in the previous month to a higher amount. In my case, they accepted it was a system error and offered £50 compensation for the aggravation.

They also said they would write to the CRA's to get the late payment marker removed. It's still showing as a late payment on the most recent credit reports (as of early Nov) but they did say it can take 60 days to update from when they requested it, so I'm not too bothered as I won't be needing to make any credit applications in the near future.

alienuk

The customer credit file is sent on a monthly basis to experian - IT is called CAIS file.
It takes 2 months for this marker to be removed and bring your score back to original.
It is important that you speak to them and remove the late payment marker.

Good Luck

Source- I am working on CAIS file currently with a different bank

BonnyBunny

I'm so glad you commented on this, as I was charged £12 for a "missed payment" when I had a Direct Debit correctly set up to pay monthly. I was given a long rigmarole on the phone trying to imply it was my fault, which I knew it wasn't and eventually the support worker told me I had altered the Direct Debit to a higher fixed amount (which I had, several WEEKS before the FIRST EVER payment was due) and that had "reset the direct debit". I've never heard of such a fiasco. I was NOT offered a refund, nor any assurances that my DD would be correctly used in the future. I regret ever taking out this Sainsbury's Credit Card and will tell everyone to AVOID them.

scott_lithgows

BonnyBunny wrote: »

I'm so glad you commented on this, as I was charged £12 for a "missed payment" when I had a Direct Debit correctly set up to pay monthly. I was given a long rigmarole on the phone trying to imply it was my fault, which I knew it wasn't and eventually the support worker told me I had altered the Direct Debit to a higher fixed amount (which I had, several WEEKS before the FIRST EVER payment was due) and that had "reset the direct debit". I've never heard of such a fiasco. I was NOT offered a refund, nor any assurances that my DD would be correctly used in the future. I regret ever taking out this Sainsbury's Credit Card and will tell everyone to AVOID them.

You should have taken them to the ombudsman