Markers on my credit file whilst in a payment holiday!!!

[Deleted User]

Jen271626 said:

Your payment holiday would of been for your mortgage payments due during that time. You still had an agreement to pay the arrears - did you continue to do that? If not then they are reporting correctly. 

They are not reporting correctly you are being impertinent, while in normal circumstances they would indeed have been reporting correctly if someone has a COVID payment holiday in place the account should be marked as satisfactory for the duration, if its not then the customer has the right to demand it be corrected.

I am sick to death of all these petty remarks being aimed at people taking payment holidays, some people have been hit harder than others during this pandemic, not everyone has had the luxury of being able to stay home on full pay.

I took a payment holiday on a nationwide loan due to increased living costs during lockdown, I paid half the contractual amount for those 3 months when I could of paid nothing towards it, surely that was a better option than having to run into my Overdraft, but of course people on MSE forum know best about everyones lives ! 

Thrugelmir

Deleted_User said:

Jen271626 said:

Your payment holiday would of been for your mortgage payments due during that time. You still had an agreement to pay the arrears - did you continue to do that? If not then they are reporting correctly. 

I took a payment holiday on a nationwide loan due to increased living costs during lockdown, I paid half the contractual amount for those 3 months when I could of paid nothing towards it, surely that was a better option than having to run into my Overdraft, but of course people on MSE forum know best about everyones lives ! 

Whatever the reason as far as lenders will be concerned you'll fall into the "at risk" category.  As deferment suggests little to no saving.  The pandemic is far from over in economic terms. When the financial life support systems are turned off there's going to many unfortunate people in severe difficulties.  Through no fault of their own.