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H&M late payment entry

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Hi there


I got a late payment entry put on my now clean credit file back in July.


I tried disputing this because it was for an amount of £3.60 which was interest that was put on the account after the full amount was settled. They refused to remove it so i shut the account down.


Just looked at my credit file again and they have now moved the late payment date from July to Aug..

When i have an email from them saying the late payment and fee was for June/July, why would they have changed it and are they allowed to do that?


They told me they promote sensible lending but last month they upped my credit limit to another £100 even though they slapped a late payment on my credit file just a few months before.. so annoying. Late payments are so damaging as i have recently found out.



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Good Morning WAM


How late was said payment? Companies have a responsibility to report correct info.

Having one black mark these days isnt a bad thing you know. Some companies have allowances for that.


We could do with some help from you.


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Receptaculum Ignis


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Hi fkofilee


It was a month late because i didn't know the interest was on there and they didn't write to me or email to say there was an outstanding payment on £3.68 on there. Its a real shame as we worked so hard for 2 years to clear our files because we wanted to move, we are now in the process and it has affected who we can borrow from for our mortgage.

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