Late payment
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14-03-2023 01:39 PM
Hi,
I was wondering if anyone could help. I received a letter today to say my February bill is outstanding it's produced on the 9th and usually paid the 17th. I was told this is a late payment and will end up on credit file. I paid the balance today March 14th. We are applying for a Mortgage and this late payment will effect our chances significantly. Does anyone have any experience with this. EE couldnt tell me for sure if they will register this as a late payment.
Any input would be greatly appreciated,
Thank you
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14-03-2023 02:00 PM
@andylloyd7 If you’ve received a letter about a late payment that’s not good.
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14-03-2023 02:31 PM
Yes I agree. It was due on the 17th Feb paid on March 14th Im wondering if its definitely a late payment 😞
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14-03-2023 05:05 PM
Do you pay by direct debit or manually?
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14-03-2023 06:07 PM
Hi Patt,
I pay manually but have now swapped to DD as of today. The payment was due Feb 17th and I paid today 14th March. I really thought I had paid it - My fault I know.
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14-03-2023 06:09 PM
My concern is it is reported on my credit file and we are literally due to apply for our mortgage all the paperwork has been completed.
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14-03-2023 06:17 PM
@andylloyd7 Provided you didn’t get cut off you will probably be ok as being cut off isn’t good at all especially if you need a clean credit report. You’ll have to keep an eye on your credit report but credit reports are around 3 months behind.
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14-03-2023 07:06 PM
Thank you Chris_B
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14-03-2023 08:06 PM
That is a late payment & will incur a Late Payment Fee.
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