Late Payment

EssexHebridean

Krusters said:

thanks, this is very helpful! I just called my bank and they told me that the Direct Debit I had in place was cancelled by the originator (British Gas) on 20th December 2022

You may be able to easily get a screenshot showing that from within your online banking app - I think both of the banks I use for current accounts show old DDs as well as current ones. Otherwise though definitely call and ask for that to be emailed to you as evidence. 

If this has been a regular monthly bill, where there would be an argument that you should have spotted it was missing, then I could see that you would have less grounds to appeal - as it is though, you would have had no way of knowing when that final bill was sent, so on that basis alone I think you do have a good argument. I would raise this as a formal complaint, and if not resolved in 8 weeks, take it to the Ombudsman. 

I think there is also steps you can take to have a note added to your credit file about this - that may be worth investigating as a stop-gap. 

Gambozola

Morning,  we have trouble with our energy supplier. Long story short we have an excellent credit score no missed/late payments.  Now we do have a missed payment on our credit report.  Supplier emailed 6 Jan 2023 “Great news your DD is set up and ready to use”.  26 Jan email  “We’re sorry we recently updated your energy account and did not set up your DD correctly this means we did not collect your Jan payment”.  We paid the outstanding amount caused by supplier in full.  28 Jan email “Thank you for your payment”.  We looked at our credit report last week and saw a marker for a missed payment by supplier posted 22 Dec.  We have been with this supplier many years.
We called the supplier and lodged a complaint also sent an excel sheet showing that the only time no DD payment was made was beginning of Jan caused by them.  
We are moving and have to rent a new home credit checks will be done when we apply by the Landlord or Estate Agent.  What do we do?