I am in the process of buying a new property and was horrified to find my credit score had decreased by 122 points!!!! This morning.
This was due to a late payment by 3.
To explain the situation I have been with 3 since 2020. I have never missed a payment and I have used the same bank account throughout this time.
I upgraded my phone in April this year! Stupid mistake!!
They set up my new phone through live chat and I assumed that meant my details taken would be used for my airtime direct debit and my device direct debit. Once again WRONG!
I was on holiday and received an email about my device direct debit saying they’ll take the payment. Standard just assumed this would come out as normal direct debits do. I was furious to find an email on my return from holiday to see that they said I hadn’t paid…I looked on the app and my direct debit details were there..and this device payment wasn’t anyway to be seen. I panicked and made the payment manually thinking this wouldn’t affect my account. WRONG!!
I am trying to get a mortgage for my new property which I’m purchasing next month. I’ve called 3 and was told my direct debit hadn’t been set up for the device plan. This has now been set up but I will believe it when I see it.
My main concern is my credit score. I have lodged a complaint to have it removed with both 3 and Experian but have been informed I have to wait 2 weeks. I do not have much faith at all to be honest. I am completely devastated after being a loyal customer and never missing a payment in my life on anything.
I am absolutely disgusted and now I’m worried I won’t get my mortgage as a result.
