'Q' on o2 credit file..removal?

clo-jo

I have 4/5 'Q' marks on my file from late payments with o2.
they are where my bill was due on say 20th and it was paid on 25th. 

All are paid with a few days of the due date.

Does anybody have any experiences of having these changed? 

If so do you have any advice on how I do this? The  right things I might need to say etc.
I realised it's a long shot but it was worth an ask

Thanks 

emmajones1976

If they were paid late surely its a factual representation of what happened.  Look at it from the other side, why would they remove them if it was accurate?

clo-jo

They aren't actually marked as late if it's a 'Q' though are they?  Or are they? 

Which is why there  there may be something I could do. 

How late before is the payment before it's marked as late? Surely there is a window of time.

And yes I do understand from there side that if it's late it's late but no harm in asking the question is there. You never know! 

Thanks

[Deleted User]

clo-jo said:

 

How late before is the payment before it's marked as late? Surely there is a window of time.

Yes, there is. Generally, it's one day.

mcpitman

One day or a few hours late with a payment, maybe.

5 days is a concious choice not to pay on time. Therefore the "late" markers are accurate and should not be removed.

Edit to add - not sure "Q" is a late marker, thought that was a "Query" status.

clo-jo

mcpitman said:

One day or a few hours late with a payment, maybe.

5 days is a concious choice not to pay on time. Therefore the "late" markers are accurate and should not be removed.

Edit to add - not sure "Q" is a late marker, thought that was a "Query" status.

No not a conscious choice to pay late. 

My situation was i I had not transferred the money by 2.30pm to cover the bills going out. I then have paid on the app. So I did pay tye day the bill was due but it's not processed it.

and yes i know I should have had it on time and yes I know I should maybe have called to make the payment. But I didn't, I'm a busy mum, work life got in the way and on a few occasions god forbid I wasn't perfect! 

 

[Deleted User]

clo-jo said:

mcpitman said:

One day or a few hours late with a payment, maybe.

5 days is a concious choice not to pay on time. Therefore the "late" markers are accurate and should not be removed.

Edit to add - not sure "Q" is a late marker, thought that was a "Query" status.

No not a conscious choice to pay late. 

My situation was i I had not transferred the money by 2.30pm to cover the bills going out. I then have paid on the app. So I did pay tye day the bill was due but it's not processed it.

and yes i know I should have had it on time and yes I know I should maybe have called to make the payment. But I didn't, I'm a busy mum, work life got in the way and on a few occasions god forbid I wasn't perfect! 

 

If it's a first offence and you ask very nicely, they may agree not to put the late payment on the file, but it is at their discretion