Missed Payment and Damage to Credit File

[Fikex]

I have never missed a payment, Three didnt take the payment on time, just before Christmas, I have no idea why, as soon as I realised the payment was missed I contacted Three and the missed payment was paid. For context the missed payment was on the 8th November 2024 and I paid on the 20th November but now I have a late payment on my credit file.

This week we are just in the process of re-mortgaging and this is causing issues with the lender.

I have complained in December and Three see the error, but said it will take 30 days to look at making any correction. That still hasn't been done. Been with Three for years and this is the only missed payment.

Fuming at this......Companies just shouldn't be allowed to do this as someone sees fit without understanding whats happened..........Im struggling with the re-mortgage because of Three.

[JonathanB]

Hi @Fikex,

I'm really sorry to hear this happened in spite of you getting in touch to pay as soon as you became aware of the missed payment. It sounds like the team have followed the correct process. I appreciate it's really frustrating to be advised a 30 day timescale under these circumstances. To my understanding, this is down to the way credit file reports are handled and produced as the reference agencies will update these once per month, so hopefully it won't take so long as this.

Have you received any update from the team in the meantime since posting? Just to clarify, was this 30 days advised back in December or more recently, if you haven't received any update within the expected timescale please let me know.

Thanks,
Jonathan

[jr0]

Let me see if I'm getting this straight, you have a Direct Debit with Three, for some reason the DD didn't take place on the 8th Nov. You realized the misshapp on the 20th Nov, you contacted Three? and did the payment. However because of the missed payment (and lets assume you had funds and was a "techincal glitch" from either Three or bank) Three reported you and your credit score was damaged.
Word of the day is "complaint", with Three and ombudsman. 

@JonathanB @JadeF tagging the moderators as they may be able to help you.