Credit Default from Bank

Castro

Money Making Megastar!
Joined
Apr 14, 2015
Messages
331
Reaction score
111
Points
163
Canvassing opinion here as not sure what to do.

Annoyingly I got a £10 bank charge on an account I rarely use a few months ago. Unfortunately I hadn't twigged it had put me £10 in debt with them and has now shown up 2 months in a row on my credit report as a missed payment :mad::mad::mad:

I've never missed a payment before so my credit rating has taken a knock. I've paid off the £10 now so it won't happen again so hopefully my score will start slowly increasing again, but do you think I should speak to TSB and see if I can get the credit default removed? Is it likely? Is it worth it for a £10 missed payment? I don't know how much the value of an unserviced debt affects it?

Or should I just leave it and hope the impact is minimal? I don't need any credit now but I don't want this to bite me in the arse when I need to do a 0% balance transfer shift, or get a new 0% spending card. At the moment I think my chances of getting a 0% spending card are nil, but if I can get one in a year I won't mind.
 
  • Like
Reactions: Kimilsung

Jon

Administrator
Staff member
Joined
Oct 17, 2013
Messages
27,552
Reaction score
3,564
Points
283
Age
38
Location
Leeds
Honestly, I can't see a £10 default having THAT much damage on your credit score however there is no harm in talking to TSB and there are lots of 'free trials' you can use to check your credit score and see if it's been impacted.

I've defaulted on things before (like a standing order I forget existed or something) and from memory can't remember it having any sort of impact on my credit rating.
 
  • Like
Reactions: Kimilsung

Direct Links to Paid Online Work

Profit Accumulator Matched Betting Membership (£76 OFF membership price

Fluidstack - Earn up to $50 a month

Data Entry / Transcribe work with Fiverr

Neilson Mobile Panel - Earn from your smartphone!

Qmee Surveys (Instant Cashout)

Marketforce Mystery Shopping

Respondent - Online Surveys up to $250

TestingTime - Get paid to test websites


Amazon Discount Finder Tool

Find hidden 80%+ savings on Amazon products



 

 

 

 

 

 

 


GuruHosting

TMSPRESTO

Members online

No members online now.

Forum statistics

Threads
5,755
Messages
160,370
Members
8,818
Latest member
Walshayy

Latest profile posts

My first Grandchild has arrived safely, 5 weeks earlier than expected - A little girl weighing 5 lb 5 oz
Jet Lag tastic Glasgow-Amsterdam-Houston Texas-Amsterdam-Glasgow all in one weekend!!!
GloriaJones wrote on Leighleigh's profile.
STC wrote on Jon's profile.
Thank you Jon for approving my account :)
Jon
Happy Christmas Everyone!!!