topic Wrongful missed payment bad credit in Plusnet Feedback

Wrongful missed payment bad credit

Vinceleeds83 — Tue, 10 Mar 2020 18:22:24 GMT

There was a missed payment about 10 months ago. But i had plenty of funds in my account and didn’t stop the direct debit.. i manually tried to pay the balance by calling with bank card, but everytime i did they would say it went through, but then it didnt.. and then they would not tell me it hadnt.

I called nearly everyday trying rectify the problem but it kept happening, i called my bank and they said it wasn’t to do with them. Most if the time period my service was also stopped , so i was essentially not getting a service anyway and was getting non payment fees.

Anyway after a few weeks it was rectified and i got refunded the late payment fees. But now i have a serious negative credit on my credit report because of it and I’m trying to get a mortgage.. i might not be able to because of this.

I’m really annoyed.
anyway to change this?

It was a simple £9 a month payment that didnt work.. its crazy this little honest disruption could make me seen as a bad irresponsible person in the eyes of lenders.

Re: Wrongful missed payment bad credit

Marksfish — Tue, 10 Mar 2020 18:32:11 GMT

Apply a notice of correction to your credit report if you can't get it shifted in enough time. A computer then can't automatically reject an application and it should be reviewed by a human.

Re: Wrongful missed payment bad credit

SammyM — Sun, 15 Mar 2020 13:53:48 GMT

Hello @Vinceleeds83,

I am deeply sorry to hear of your experience and for the inconvenience this has caused.

I really would like to look into this for you, please can you PM me the following details;

The mobile number in question.
Your full name and confirmation if you are the account holder.
Your full address including postcode.

Once you have sent these details across, please update this thread and I will locate the account.