Catalogue debts with late payment reports

[MARKIE66]

hi

can anybody help me please, my wife manages a few catalogues in my name, but we noticed some late payment records registered with the credit reference agencies.

 

after several phone calls, it became apparent that the payments were made on time,but due to bank clearing they were registered as late.

 

is there any way i can get them removed as we feel we did nothing wrong and they are unjustified.

 

cheers lots

 

mark

Edited August 30, 2009 by MARKIE66
over elaboration

[dx100uk]

no you should pay as anyone else would and allow 5 days for bank clearance.

 

dx

[MARKIE66]

thanks for the sarcastic response it was unnecessary and pathetic, get a life!!!

[dx100uk]

no it was not, 10 posts and you want to play..........

 

when do they say the payment is due?

and when did you pay them?

 

simple enough

 

all payments can take up to 5 working days to clear.

 

std banking practice.

 

dx

Edited August 30, 2009 by dx100uk
tpyo

[MARKIE66]

hello dx,

 

the fact that that we were naive in the first place is not the issue,i understand the clearing protocols now and they wont be a problem.

 

i started this thread to try and resolve a situation that i felt was unfairly caused by these companies, especially when they regard me as such a good risk that they keep increasing my cl.

 

i appreciate that you have been with cag a long time and have probably helped a lot of people, i'll resign myself to not being one of them.

 

thanks for your input

 

mark

[dx100uk]

the advantage of being a longterm CAG member is one of recognising that many a new members p'haps shows frustration in a strange but understandable way, it also makes us thick-skinned, it however does not preclude me not helping what ever you say....

 

sadly though, in this instance there appears they have done nothing wrong, i would also not worry too much about late payment markers, they do little to affect your cra scoring. pers i would be looking elsewhere if your score is that low.

 

now, back to the dates issue.......

 

when did you instigate payment and when did they get it?. we need to check everyone is playing fair here

 

dx

[MARKIE66]

hi dx,

 

thanks for coming back to me, i was hoping you would.

 

 

the 4 late payments in question were all sent before the payment due date but all arrived with the companies in question a day or two after the due date

 

the real reason i would like to get them removed is that for several years now i have been striving to keep my nose clean, to amend the very poor status i had previously created.

 

the only adverse data on my file until these late payment markers was a default, which due to the 6 year rule is due to come off this September, can you imagine how i felt when these appeared, especially as we thought we'd payed them on time.

 

being self employed i need as clean a credit history as possible to get a mortgage and thought these might get in the way.

 

thanks for reassuring me that they have little impact, that is a weight off my mind,

 

i wondered if these companies have the ability to remove these markers, if so i could possibly bargain with them (would they rather i cleared the bill and shopped somewhere else (my wife i mean lol).

 

any way thanks again for coming back to me and i'm sorry my first reply was so rude.

 

mark

[dx100uk]

well you need to find out 'what' is giving you a poor score.

 

only you can ans this.

 

you could quite easily go down the route of paying them off on the agreement they remove the late payment markers. they wil play ball.

 

but i would be VERY sure this is the reason your score is poor.

my gut reaction is that is not the reason.

 

dx

[MARKIE66]

hi dx,

 

been away for a couple of days,sorry i'm slow coming back.

 

the default was quite a big one, at least it's dropping off soon,i'll wait and see what happens when it does.

 

thanks for putting my mind at rest

 

cheers mark