Help with an unfair late payment

absportland

xlnc99 said:

fingers crossed. Did you write an e-mail or letter to halifax?

The complaint went through over the phone after I asked to escalate it. The initial lady I spoke with said that they are at fault (due to their policies) about not notifying me, but would not take any responsibility. 

absportland

Worth mentioning as well, they wouldn’t give me an email or phone number for anyone in complaints. 

xlnc99

Big mistake doing it on the phone. Huge error!
Basically you are relying no what the person on the other end has written down and their own words. OFF to a bad start.

I suggest you scrap that complaint and start again today. Send an e-mail tonight writing exactly what happened, with evidence, time stamps of phone calls, what everyone said to you etc. Make sure its in detail!!! Express the urgency in regards to your mortgage too.

You really made a school boy error doing this on the phone

xlnc99

e-mail haliahttps://forums.moneysavingexpert.com/discussion/2276755/email-address-for-halifax

https://forums.moneysavingexpert.com/discussion/2024787/halifax-online-helpdesk-email-address

absportland

xlnc99 said:

Big mistake doing it on the phone. Huge error!
Basically you are relying no what the person on the other end has written down and their own words. OFF to a bad start.

I suggest you scrap that complaint and start again today. Send an e-mail tonight writing exactly what happened, with evidence, time stamps of phone calls, what everyone said to you etc. Make sure its in detail!!! Express the urgency in regards to your mortgage too.

You really made a school boy error doing this on the phone

Thanks for this, appreciate it. 

I’ll draft an email tonight in relation to the complaint. To be fair I’ve never had to deal with this sort of thing before so I was probably very ignorant! 

absportland

Email sent. 

absportland

Sorry - another quick question. 

In this case would the “late payment” show up on my account under September on my credit score? Because I’ve just noticed it’s showing as missed in October?

2021BJ

absportland said:

xlnc99 said:

Big mistake doing it on the phone. Huge error!
Basically you are relying no what the person on the other end has written down and their own words. OFF to a bad start.

I suggest you scrap that complaint and start again today. Send an e-mail tonight writing exactly what happened, with evidence, time stamps of phone calls, what everyone said to you etc. Make sure its in detail!!! Express the urgency in regards to your mortgage too.

You really made a school boy error doing this on the phone

Thanks for this, appreciate it. 

I’ll draft an email tonight in relation to the complaint. To be fair I’ve never had to deal with this sort of thing before so I was probably very ignorant! 

There is little point now you've escalated it to a complaint over the phone.  If anything it might delay their response.

nyermen

If you can get something in writing asap that they are removing it, its possible the broker could have that forwarded to the underwriting team at Santander who will consider it.

absportland

nyermen said:

If you can get something in writing asap that they are removing it, its possible the broker could have that forwarded to the underwriting team at Santander who will consider it.

Thank you. I’m really hoping that they will remove it for me.