6 late payments from British Gas-how can I remove them?

[agugabi]

Hi, I have 6 late payments from British Gas:

2 late payments-21 pounds

2 late payments- 31 pounds

2 late payments- 14 pounds.

 

All of them i paid in full, I even did realize that i paid it late.They said they not going to remove it , only change as settled which is not done yet.

 

It damaged my credit report and I actually didn't know they can inform CRA's about accounts.

Can anyone advise what to do to get rid those late payments?

 

Thanks a lot.

[agugabi]

Anyone???

I would appreciate any ideas...

[Desperate Daniella]

Hi agugabi,

 

I honestly don't know what to do here, but I'll be following your thread with interest. I have loads of late payment charges with British Gas. Haven't paid on time because I couldn't and a huge percentage of my quarterly gas bill is made up of these amounts being carried forward.

 

People wouldn't incur these charges by paying late unless they literally couldn't pay on time, so therefore we incur more debt. I've been thinking about this for a long time.

 

It does not cost them £14 to send out a threatogram in a red-marked envelope.

 

I have been meaning to see if anyone, anywhere, has challenged this and will do so tomorrow. If they are charging all these late payments they need to justify them.

 

DD

[agugabi]

Thanks a lot for your reply.

 

Actually they did not charge me anything more than they should (my bills), no late payment charge at all but 6 late payments has damaged my credit report badly, over 400 points less than before!!!

I have checked my credit report today and they change 4 of those late payments to satisfied but info of late payments is still there. I wasn;t aware at all that utility companies could give info to CRA's.

 

I will try to find some thread regarding late payment charges, i have seen it somewhere. £14 is far too much just for one letter. Did you try to talk to them and make repayments plan?It should avoid any late payment charges.

[gezwee]

Were these estimated bills or true values?

 

I'd be inclined to email the CRA's advising that you dispute reporting as you were in credit at the time and BG used estimated values for bill processing.

 

Let them prove otherwise.

 

Gez

[agugabi]

Were these estimated bills or true values?

 

I'd be inclined to email the CRA's advising that you dispute reporting as you were in credit at the time and BG used estimated values for bill processing.

 

Let them prove otherwise.

 

Gez

 

 

Thank you Gez for quick respond. Will try that.

[MARTIN3030]

I think this is the thread in question-re £14 charges;

 

http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/226201-nasty-demands-british-gas.html

[gezwee]

http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/225759-n-power-overcharging-4-a.html

 

This is worth a look as well, utilities not always in the right.........poor buggers on here look to have been dragged through the wringer

[MARTIN3030]

This is from their website;

 

 

Using information Information you provide or we hold about you (whether or not under our contract or contracts with you) may be used by us or our agents to:

a identify you when you contact us;

b help identify accounts, services and products which you could have from us from time to time (we may do this using an automatic scoring system, which uses the information you have provided, any information we hold about you and information from other agencies, including credit-reference agencies);

c help run, and contact you about the improved running of, any accounts, services and products we have provided before, or provide now or in the future; (we may contact you by e-mail or text message if you have given us these contact details);

d create statistical and testing information and carry out marketing analysis and customer profiling (including using information about what you buy from us and how you pay for it, for example usage rates and any discounts we have offered you - these are examples only and not a complete list);

e help to prevent and detect fraud or loss; and

f contact you in any way (including mail, e-mail, phone, visit, text or multimedia messages) about products and services offered by us and selected partners.

We may allow other people and organisations to use information we hold about you:

• to provide services you have asked for;

• as part of the process of selling one or more of our businesses;

• help to prevent and detect debt, fraud or loss. In addition, if you have failed to pay us, in which case we may transfer your debt to a another organisation and provide them with details about you and that debt;

• if we have been asked to provide information for legal or regulatory purposes;

• as part of current or future legal proceedings; or

• if you hold an insurance policy with us, to pass information to an insurer to manage your insurance policy including underwriting and claims, to assist in the development of new services, dealing with reinsurers and to assess financial and insurance risk.

[MARTIN3030]

Their ICO licence does cover them for credit reporting.

Of course your issues are as to whether the reporting was justified.

 

 

Registration Number: Z5929088

Date Registered: 24 October 2001 Registration Expires: 23 October 2010

 

Data Controller: BRITISH GAS TRADING LIMITED

 

Address:

MILLSTREAM

MAIDENHEAD ROAD

WINDSOR

BERKSHIRE

SL4 5GD

Other Names:

SCOTTISH GAS

BRITISH GAS BUSINESS

BRITISH GAS RESIDENTIAL ENERGY

HOMESWITCH

BRITISH GAS ENERGY

BRITISH GAS NEW ENERGY

BRITISH GAS

GENERATION GREEN

This register entry describes, in very general terms, the personal data being processed by:

BRITISH GAS TRADING LIMITED

This register entry contains personal data held for 11 purpose(s)

Purpose 1

 

Staff Administration

Purpose Description:

Appointments or removals, pay, discipline, superannuation, work management or other personnel matters in relation to the staff of the data controller.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Suppliers

Members or supporters

Complainants, correspondents and enquirers

Relatives, guardians and associates of the data subject

Advisers, consultants and other professional experts

Students and pupils

Offenders and suspected offenders

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Racial or Ethnic Origin

Religious or Other Beliefs Of A Similar Nature

Trade Union Membership

Physical or Mental Health or Condition

Offences (Including Alleged Offences)

Criminal Proceedings, Outcomes And Sentences.

E MAIL AND WEB ACTIVITY DETAILS

SECURITY DETAILS

TRADING LICENCE

VISUAL IMAGES FOR SECURITY AND CONTACT

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Healthcare, social and welfare advisers or practitioners

Education, training establishments and examining bodies

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Debt collection and tracing agencies

Survey and research organisations

Traders in personal data

Trade, employer associations and professional bodies

Police forces

Private investigators

Local Government

Central Government

Voluntary and charitable organisations

Ombudsmen and regulatory authorities

The media

Data processors

Employment and recruitment agencies

Transfers:

Worldwide

Purpose 2

 

Advertising, Marketing & Public Relations

Purpose Description:

Advertising or marketing the business of the data controller, activity, goods or services and promoting public relations in connection with that business or activity, or those goods or services.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Suppliers

Members or supporters

Complainants, correspondents and enquirers

Relatives, guardians and associates of the data subject

Advisers, consultants and other professional experts

Students and pupils

Offenders and suspected offenders

SECURITY DETAILS

STAFF OF ASSOCIATED ORGANISATIONS

TRUSTEES

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Racial or Ethnic Origin

Physical or Mental Health or Condition

Criminal Proceedings, Outcomes And Sentences.

COURT PROCEEDINGS

E MAIL AND WEB ACTIVITY

PUBLIC OFFICE HELD

TRADING LICENCES HELD

VISUAL IMAGES FOR SECURITY AND CONTACT

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Healthcare, social and welfare advisers or practitioners

Education, training establishments and examining bodies

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Credit reference agencies

Debt collection and tracing agencies

Survey and research organisations

Traders in personal data

Trade, employer associations and professional bodies

Police forces

Private investigators

Local Government

Central Government

Voluntary and charitable organisations

Ombudsmen and regulatory authorities

The media

Data processors

Tenants

Transfers:

Worldwide

Purpose 3

 

Accounts & Records

Purpose Description:

Keeping accounts related to any business or other activity carried on by the data controller, or deciding whether to accept any person as a customer or supplier, or keeping records of purchases, sales or other transactions for the purpose of ensuring that the requisite payments and deliveries are made or services provided by him or to him in respect of those transactions, or for the purpose of making financial or management forecasts to assist him in the conduct of any such business or activity

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Suppliers

Members or supporters

Complainants, correspondents and enquirers

Relatives, guardians and associates of the data subject

Advisers, consultants and other professional experts

Patients

Students and pupils

Offenders and suspected offenders

POTENTIAL CUSTOMER, CLIENT, CORRESPONDENT OR ENQUIRER AS NOMINATED BY DATA

SUBJECT

PUBLIC OFFICE REPRESENTATIVES

TRUSTEES

WITNESSES

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Racial or Ethnic Origin

Physical or Mental Health or Condition

Offences (Including Alleged Offences)

Criminal Proceedings, Outcomes And Sentences.

COURT PROCEEDINGS

CRIMINAL INTELLIGENCE

E MAIL AND WEB ACTIVITY

SECURITY DETAILS

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

D BRITISH GAS TRADING LIMITED MAY TRANSFER INFORMATION TO DEBT COLLECTION

D AGENCIES IN ORDER THAT THOSE AGENCIES MAY COLLECT DEBTS OWED (OR PREVIOUSLY

D OWED) TO BRITISH GAS TRADING LIMITED

D FRAUD PREVENTION AGENCIES

D STATUTORY AND ENFORCEMENT ORGANISATION

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Healthcare, social and welfare advisers or practitioners

Education, training establishments and examining bodies

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Credit reference agencies

Debt collection and tracing agencies

Survey and research organisations

Traders in personal data

Trade, employer associations and professional bodies

Police forces

Private investigators

Local Government

Central Government

Voluntary and charitable organisations

Ombudsmen and regulatory authorities

The media

Data processors

Tenants

Transfers:

Worldwide

Purpose 4

 

Accounting and Auditing

Purpose Description:

The provision of accounting and related services; the provision of an audit where such an audit is required by statute.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Suppliers

Complainants, correspondents and enquirers

Advisers, consultants and other professional experts

Employees of other organisations

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Racial or Ethnic Origin

Physical or Mental Health or Condition

E MAIL AND WEB ACTIVITY

PUBLIC OFFICE HELD

SECURITY DETAILS

TRADING LICENSES HELD

VISUAL IMAGES FOR SECURITY AND CONTACT

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Healthcare, social and welfare advisers or practitioners

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Debt collection and tracing agencies

Trade, employer associations and professional bodies

Local Government

Central Government

Ombudsmen and regulatory authorities

Data processors

Transfers:

Worldwide

Purpose 5

 

Advertising Marketing & Public Relations For Others

Purpose Description:

Public relations work and marketing, including host mailings for other organisations and list brokings.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Suppliers

Members or supporters

Complainants, correspondents and enquirers

Relatives, guardians and associates of the data subject

Advisers, consultants and other professional experts

Students and pupils

Offenders and suspected offenders

CLAIMANT

COMPETITOR

MEDIA, LITERARY AND ARTISTIC CONTACTS

SECURITY DETAILS

TRUSTEES

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Racial or Ethnic Origin

Political Opinions

Physical or Mental Health or Condition

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Healthcare, social and welfare advisers or practitioners

Education, training establishments and examining bodies

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Credit reference agencies

Debt collection and tracing agencies

Survey and research organisations

Traders in personal data

Trade, employer associations and professional bodies

Police forces

Private investigators

Local Government

Central Government

Voluntary and charitable organisations

Ombudsmen and regulatory authorities

The media

Data processors

Tenants

Transfers:

Worldwide

Purpose 6

 

Research

Purpose Description:

Research in any field, including market, health, lifestyle, scientific or technical research.

Data Controllers further description of Purpose:

BUSINESS RESEARCH INFORMATION ON THE COMPANY'S OPERATING ENVIRONMENT

MARKET, HEALTH, LIFESTYLE, ENVIRONMENT AND TECHNICAL

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Suppliers

Members or supporters

Complainants, correspondents and enquirers

Advisers, consultants and other professional experts

COMPETITORS

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Physical or Mental Health or Condition

COURT PROCEEDINGS

EMAIL AND WEB ACTIVITY

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Credit reference agencies

Debt collection and tracing agencies

Survey and research organisations

Traders in personal data

Police forces

Local Government

Central Government

Voluntary and charitable organisations

Ombudsmen and regulatory authorities

Data processors

Transfers:

Worldwide

Purpose 7

 

Consultancy and Advisory Services

Purpose Description:

Giving advice or rendering professional services.The provision of services of an advisory, consultancy or intermediary nature.

Data Controllers further description of Purpose:

PROVISION OF ENERGY EFFICIENCY AND BENEFIT ADVICE TO INDIVIDUALS AND

ORGANISATIONS

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Complainants, correspondents and enquirers

Advisers, consultants and other professional experts

Employees of other organisations

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Physical or Mental Health or Condition

E MAIL AND WEB ACTIVITY

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

D STATUTORY AND ENFORCEMENT ORGANISATIONS

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Healthcare, social and welfare advisers or practitioners

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Debt collection and tracing agencies

Police forces

Local Government

Central Government

Voluntary and charitable organisations

Ombudsmen and regulatory authorities

Data processors

Transfers:

Worldwide

Purpose 8

 

Crime Prevention and Prosecution of Offenders

Purpose Description:

Crime prevention and detection and the apprehension and prosecution of offenders.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Suppliers

Complainants, correspondents and enquirers

Advisers, consultants and other professional experts

Offenders and suspected offenders

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Offences (Including Alleged Offences)

Criminal Proceedings, Outcomes And Sentences.

COMPLAINT, ACCIDENT OR INCIDENT DETAILS

CRIMINAL INTELLIGENCE

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

D CAIS

D CIFAS

D STATUTORY AND ENFORCEMENT ORGANISATIONS

D FRAUD PREVENTION AGENCIES

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Healthcare, social and welfare advisers or practitioners

Education, training establishments and examining bodies

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Credit reference agencies

Debt collection and tracing agencies

Trade, employer associations and professional bodies

Police forces

Private investigators

Local Government

Central Government

Ombudsmen and regulatory authorities

The media

Data processors

Transfers:

Worldwide

Purpose 9

 

Information and Databank Administration

Purpose Description:

Maintenance of information or databanks as a reference tool or general resource.This includes catalogues, lists, directories and bibliographic data. bases.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Suppliers

Complainants, correspondents and enquirers

Advisers, consultants and other professional experts

Offenders and suspected offenders

Employees of other organisations

WITNESSES

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Racial or Ethnic Origin

Criminal Proceedings, Outcomes And Sentences.

E MAIL AND WEB ACTIVITY

PUBLIC OFFICE HELD

SECURITY DETAILS

TRADING LICENCES HELD

VISUAL IMAGES FOR SECURITY OR CONTACT

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

D STATUTORY AND ENFORCEMENT ORGANISATIONS

D BRITISH GAS TRADING LIMITED MAY TRANSFER INFORMATION TO DEBT COLLECTION

D AGENCIES IN ORDER THAT THOSE AGENCIES MAY COLLECT DEBTS OWED (OR PREVIOUSLY

D OWED) TO BRITISH GAS TRADING LIMITED

D FRAUD PREVENTION AGENCIES

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Current, past or prospective employers of the data subject

Healthcare, social and welfare advisers or practitioners

Education, training establishments and examining bodies

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Credit reference agencies

Debt collection and tracing agencies

Survey and research organisations

Traders in personal data

Trade, employer associations and professional bodies

Police forces

Private investigators

Local Government

Central Government

Voluntary and charitable organisations

Ombudsmen and regulatory authorities

Data processors

Transfers:

Worldwide

Purpose 10

 

Provision of Financial Services & Advice

Purpose Description:

The provision of services as an intermediary in respect of any financial transactions including mortgage and insurance broking.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Suppliers

Complainants, correspondents and enquirers

Relatives, guardians and associates of the data subject

Advisers, consultants and other professional experts

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Physical or Mental Health or Condition

Criminal Proceedings, Outcomes And Sentences.

COMPLAINT, ACCIDENT AND INCIDENT DETAILS

PUBLIC OFFICE HELD

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

D PUBLIC AND PRIVATE INFORMATION PROVIDERS

D FRAUD PREVENTION AGENCIES

Data subjects themselves

Relatives, guardians or other persons associated with the data subject

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Credit reference agencies

Debt collection and tracing agencies

Traders in personal data

Police forces

Ombudsmen and regulatory authorities

Data processors

Transfers:

Worldwide

Purpose 11

 

Trading / Sharing in Personal Information

Purpose Description:

The sale, hire or exchange of personal information.

Data subjects are:

Staff including volunteers, agents, temporary and casual workers

Customers and clients

Members or supporters

Complainants, correspondents and enquirers

Advisers, consultants and other professional experts

EX - CUSTOMERS

Data classes are:

Personal Details

Family, Lifestyle and Social Circumstances

Education and Training Details

Employment Details

Financial Details

Goods or Services Provided

Physical or Mental Health or Condition

E MAIL AND WEB ACTIVITY

COMPLAINT, ACCIDENT OR INCIDENT DETAILS

Sources (S) and Disclosures (D)(1984 Act). Recipients (1998 Act):

D STATUTORY AND ENFORCEMENT ORGANISATIONS

D MEMBERS AND SHAREHOLDERS

D BRITISH GAS TRADING LIMITED MAY TRANSFER INFORMATION TO DEBT COLLECTION

D AGENCIES IN ORDER THAT THOSE AGENICES MAY COLLECT DEBTS OWED (OR PREVIOUSLY

D OWED) TO BRITISH GAS TRADING LIMITED

D FRAUD PREVENTION AGENCIES

Data subjects themselves

Business associates and other professional advisers

Employees and agents of the data controller

Other companies in the same group as the data controller

Suppliers, providers of goods or services

Persons making an enquiry or complaint

Financial organisations and advisers

Credit reference agencies

Debt collection and tracing agencies

Survey and research organisations

Traders in personal data

Trade, employer associations and professional bodies

Police forces

Local Government

Central Government

Ombudsmen and regulatory authorities

Data processors

[agugabi]

This is from their website;

 

 

Using information Information you provide or we hold about you (whether or not under our contract or contracts with you) may be used by us or our agents ...

.

 

Does it mean they can anytime without my consent proceed my data?

[postggj]

Since When Has A Utility Company Subscribe To A Cra

[MARTIN3030]

Actually whilst you still have any contract with them -yes,unless you have issued them with a section 10 notice to ask them to stop.You cannot do this whilst you are still doing business with them,since a section 10 requires them to cease all processing/sharing/and controlling your data-meaning they could not continue to run your account.

Once any contract has ended,then so does your permission for them to continue processing your data.

Any markers registered on Cra files would stay unless you could show good cause that they were not there legitimately.

Late payment markers are short term in any case and do not stay on a file for the 6 years like a Judgement.

[MARTIN3030]

Since When Has A Utility Company Subscribe To A Cra

 

Unfortunately its not new.

Just as mobile phone and Telecoms providers.

I remember having late payment markers entered on mine by Telewest back in 2002 !

[postggj]

Martin

 

Quick Question Ref Late Payment Markers

 

You Say They Dont Stay On For Six Years

 

I Thought They Did

 

I Have One Marker From Capital One From Three Years Ago On My Credit File

[postggj]

Mind You

 

Six Months Of Payments On Time Will Cancel Out Any Late Payment Marker

[agugabi]

Mind You

 

Six Months Of Payments On Time Will Cancel Out Any Late Payment Marker

 

I have no longer contract with BG so cannot do 6 months payments on time.

[MARTIN3030]

Yes correct.

I did question this with all 3 of the CRAs and they all confirmed it.

[postggj]

Thats A Point

Ar Utility Bills Done Every Quarter, Not Monthly

[postggj]

Martin

 

Your Last Post

 

Can You Confirm How Long A Late Payment Marker Stays On Your Credit File

 

Thanks

[gezwee]

Martin

 

Your Last Post

 

Can You Confirm How Long A Late Payment Marker Stays On Your Credit File

 

Thanks

 

i'm sure its 6 years on a dormant account, I've still got barclaycard on mine from 2004 even though it was paid in full during 2005 with PPI (the one and only time I've ever had a payout), problem was they were always a month in arrears so had continuous late payment markers.

[MARTIN3030]

This might help;

 

Powered by Google Docs

[postggj]

What About An Active Account

[postggj]

Thanks Martin

[MARTIN3030]

A delinquent account is one where your repayments have been at least three months in arrears for two or more consecutive months or have been late for more than three months over the past year.

 

Every record of a credit account will include a status history showing whether or not payments have been made on time. Credit accounts can include your payment record over up to 36 months. The most recent payment is shown as the first entry.

 

The last 12 months' payments are shown, and underneath there is a summary of the payment history over a period of up to 36 months (unless the status history shown is 8). In the summary, the entries for "number of status 1-2" and "number of status 3+" identify how many times payments been up to two months late, or three or more months late, within the last 36 months (or since the account was opened).