Late payment

[Javier240]

Currently closing the online bank I used for my direct debit. Moved everything over to another bank but completely forgot about my phone. 
Direct debit was due on 02/05/24, but bounced. Paid balance in full on 07/05/2024 once I realised. 
Will this be shown as a missed payment on my credit file? 
Tried speaking to three but nobody seems to know or want to help. 

[Fimmy]

Hi!, I have a direct debit but it bounced on the 26th Nov, Three made anther attempt on the 3rd Dec but bounced again, I realised this and called them the next day (4th Dec) to pay it manually. Now i'm beyond stressed that this is going to be marked in my credit file! I've been with Three for over 12 years and this is the first time this ever happened. Please help!

[JonathanB]

Hi @Fimmy,

I'm sorry to hear about this. Unfortunately if it's a case that the Direct Debit bounced both times due to a lack of funds then a late payment would be logged, we'd need some evidence of an error to argue for that to be overturned with our credit teams.

Late payments which are settled don't have as much impact as defaults though, it's always best to pay manually as soon as possible to minimise the impact as having a balance overdue for a long time, or completely unpaid is much more significant than missing one payment and immediately settling it.

Are you able to tell us a bit more, was there any mitigating circumstances we could perhaps point to if making a case for you?

Here's the options for customer services if you'd rather not discuss this in public forum.

Thanks,
Jonathan

[Javier240]

Thanks Jonathan! Let me know if you find out anymore info. Just in the process of sorting a mortgage, so it’s a nightmare

[Anonymous]

Thanks @JonathanB .

[Anonymous]

I can’t give you a rock solid yes  or no on this but somewhere in the back of mind it’s telling me that you won’t get a late payment marker because you cleared it within 7 days of the due date. This isn’t to be taken as gospel so I’m going to ask @JonathanB  one of the staff moderators for his input. Hopefully he can help.