Mortgage direct debit returned

Molly171717

On 28/10/25 I received a text msg from my bank NatWest to advise I had insufficient funds. I transferred straight away approx 2:30pm that day. 

I checked the following day and on my NatWest mobile banking the direct debit listing showed as paid. 

A week later I received an email from my mortgage lender HSBC advising my direct debit had been returned unpaid on 28/10/25. 

I didn’t receive any notification from my bank NatWest to advise this and I did transfer across  sufficient funds to cover the direct debit payment for my mortgage 

HSBC advise that this late payment will be reported on my credit file.
i make flexible overpayments to my HSBC mortgage and have never ever missed a payment. 

I had also made an overpayment at the beginning of October in the same month that the direct debit payment was returned. 

I am now really very worried that this will affect my credit history 

I did a google research for this issue. It stated most lenders don’t report unless you have missed a payment over 30 days late, but did say HSBC do not state this in their terms and conditions 

Please can anyone offer any advice or suggestions what I could do.