@askhalifaxbank Late payment marker

[tomlittley]

Hi all,

 

I just wondered if you could help me, I recently made an error with paying my mortgage. It was due for payment on the 28th January, but for unforeseen circumstances there was insufficient funds in my bank account and the payment was not made. I was paid on the 31st January, Halifax reapplied for the payment on the 11th February which was accepted. I went onto my credit report this morning and a late payment marker has been added, I'm horrified. I know this was my mistake, but feel I'm going to be penalised for next 6 years, I feel sick. Is there anything I can do?

 

I have now changed the date my mortgage payment comes out to ensure this doesn't happen again, this is the first time a payment has missed on my account.

 

Thank you

[Bazooka Boo]

You can add a notice of correction alongside the entry, then exhaust Halicr@ps complaints procedure, but don't hold your breath.

[Klandestine]

You could make a complaint because it is your first "offence" but I suspect they will tell you that they have a duty to record an accurate payment history. Especially so given that you waited for them to take the direct debit at a later date rather than making a manual payment as soon as you got paid.

 

The odd late payment marker won't have that much of a negative effect though.