Late Payment marker for £1

Tcv

I have a 25 years old account with Lloyds bank I don’t use anymore but keep as I’ve had it a long time. I used it to make a transfer to a payee I had saved on there and it made me OD £40. I meant to transfer funds over when I got home. Any way the account got charged daily interest and ended up £51 overdrawn. Lloyds have reported missed payments on account. It went over in December and settled in January as soon as I realised what had happened! 

The trouble is Lloyds have put x3 markers on my credit file for this and a mortgage in principal has been declined. It has also affected my husband as a joint account. We have never had this before or anything else wrong with our credit and it was good/excellent before. We also had a close family member dying In this periods which meant this got missed and not sorted quickly enough. 

Is there anything I can do about this as I feel my whole credit record has been tarnished over £1 caused by the banks daily interest?

eskbanker

Tcv said:

It went over in December and settled in January as soon as I realised what had happened! 

The trouble is Lloyds have put x3 markers on my credit file for this

Sounds punitive to apply three markers if you sorted it out the next month, but I suspect you'd have your work cut out to persuade them to change anything, so your best bet will probably be to sound out mortgage brokers about possible products for those with damaged credit files.