Jump to content


Barclaycard Late Payment Removal from 3 years ago....


knight666
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2824 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Guys,

 

I have one late payment marker from Barclaycard from 3 years ago

which I have been told may affect my chances of getting a mortgage in the near future.

 

This is the only late payment I have on my Credit Report in the past 5 years

so would like to try and get it taken off if possible.

 

I think the payment was literally 3 days late due to a banking error on my behalf but it is still there either way!

 

I do have some other marks on my credit report which are 5+ years old but they are due to drop off after this year so aren't such an issue.

 

I was just wondering if any of you guys have seen or had any success with getting things like this amended by BC

with a good will letter and if so could advise on what is the best way to go about it?

 

Thanks in advance! :-)

Link to post
Share on other sites

I doubt one late payment will harm you

nor actually be seen in the summary search mortgage companies do.

 

they are not being as tight as they used to be.

 

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... 

Link to post
Share on other sites

Hi Knight,

 

As DX says, I doubt the single late payment marker will affect a loan application if you sorted the matter so quickly after the payment was due.

 

Who said it may affect an application - a lender or a friend offering advice.

 

In any event, if the marker was posted correctly, I doubt the bank would consider removing it.

 

If the other markers are due to drop off soon, they should also not hinder a loan application.

 

Keep an eye on your CRA files to ensure you only make a loan appl'n AFTER the other adverse markers have dropped off.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Ahhh I see, thanks Dx and Slick. It was a broker that I have spoken to that said I may have difficulty with the late payment on my record so I panicked!

 

If you guys think it should be ok then I may not bother trying.

 

Yes the other markers drop off at the end of this year so I may wait, just to be on the safe side!

 

Thanks again for the advice, much appreciated!

Link to post
Share on other sites

Hi Knight,

 

A broker will have better experience than me, of the effect of adverse CRA markers when making a loan application.

 

Take advice from all sources and then make your judgements as best you can.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

a broker will use that info to add or make your take out mppi

etc etc.

 

just for your info.

 

the only insurance of anykind you must have

[ be that already inplace or getting with the nortgage]

is buildings ins

 

all the rest are not compulsory/

 

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... 

Link to post
Share on other sites

don't tell anyone yougo for a mortgage with about your debts

passed or present!

 

that's what the cra search they'll no doubt charge you £85+ for

is about

 

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... 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...