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unarranged overdraft and credit score


cazzajay
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I dipped below zero on my Santander current account for a day. Paid my charge, its unarranged, and I am now back in the black.

 

My worry is... Will it have affected my credit rating?

Smile, you never know who's watching...

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does the account show?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you are worried it will effect your cra file

 

if the account is not listed ...then NO!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you are worried it will effect your cra file

 

if the account is not listed ...then NO!

 

dx

 

 

 

Ah ok... I don't know. Ive not checked it for ages. Perhaps this is a good reason to order a statutory.

 

Worst case scenario if the account is on there, I'm guessing it will affect it?

Smile, you never know who's watching...

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I doubt one late payment will hurt you

 

see noddle below

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I doubt one late payment will hurt you

 

see noddle below

 

dx

 

I tried signing up to noddle but they don't accept my details!

 

I'm using my debit card ... Wonder if that's a sign that the account isn't listed

Smile, you never know who's watching...

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no should make any odds.

 

have you moved of recent?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

no should make any odds.

 

have you moved of recent?

 

dx

 

Not since 2007. I have had two experian statutories in the interim that had no issues

Smile, you never know who's watching...

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It depends on your banks reporting date to be honest... If they report the day on which you went overdrawn then it would show providing the account was showing :-)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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