Late payment 2 days

[Joe_brown2222]

Hello everyone, 

I just noticed today, that my direct debit bounced (7/5/25), I have paid the payment manually on the app (9/5/25) when I realised, normally I pay it on time, we have a just had a lot going on this week visiting my grandparent in hospital:( and it completely slipped my mind, I’ve just wondered if anyone will know if I will be charged a late payment fee and also if it will be reported to credit reference agencies?,

many thanks 

---

[bristolian]

DD's that fail are normally retried a week later, so there's a good chance you'll end up paying twice this month.

I don't believe that late payment fees are applied until the second DD attempt fails, your credit file is reported once a month so as long as at least one payment is successful and your next monthly bill shows nothing outstanding, that should be fine.

[XRaySpeX]

If you have a DD in operation you shouldn't make a manual payment on or soon after your billing date. It is then too late to stop the DD being auto taken in full. Even if the DD fails the 1st time of asking it will be auto attempted again about 7 days later. Now the extra will be used as credit against your next bill. It won't show on your a/c until the next bill.