Help!!! Missed payment advice 28 November 2021 at 12:37PM in Credit file & ratings 5 replies 183 views

Sophie8916

Hi

so I was the victim of fraud and had a bereavement this week…

for one of my loans, the payday was meant to be 25 November but I changed it to 28 (today) searching through my junk box I’m alarmed to see an email today saying my payment is 3 days late!!! The change obviously didn’t go through!!

I will call them tomorow but I’m petrified this will be marked as a late payment on my credit file!

any advice/reassurance ?

[Deleted User]

It'll probably be marked as a late payment, but it's not a major problem on an otherwise well managed file.

Sncjw

When did you change the payment date 

Sophie8916

Sncjw said:

When did you change the payment date 

The day before, it allowed you on the system to “defer a payment” right up till the day of the payment 

I’ve sought advice this morning and been told I should be fine, as also they didn’t chase or message me about a missed payment until today and I paid straight away…

Catsacor

I'm not with you .......   the pay date should have been the 25th but you changed to to the 28th - why would you alter it to be 3 days late ??

Sncjw

Sophie8916 said:

Sncjw said:

When did you change the payment date 

The day before, it allowed you on the system to “defer a payment” right up till the day of the payment 

I’ve sought advice this morning and been told I should be fine, as also they didn’t chase or message me about a missed payment until today and I paid straight away…

I'm. Pretty sure if it's a direct debit it will take a few days to get it set up properly. They do advise you make payments to cover yourself if you are due to pay ahytbing