Already having an extraordinarily shit day when the post arrived today. In with it was a letter to say our mortgage direct debit had bounced. We made sure that there was enough money to cover the mortgage in the account on the 27th, ready for the direct debit coming out on the 1st. According to our bank, British Gas decided that instead of taking out the direct debit for them as agreed on the 18th, that they would take it on the 30th instead. When the mortgage provider tried to take out the mortgage it would have left us £40 overdrawn so they wouldn't let the mortgage go out.
I have rang British Gas, who informed me that they have no idea why the direct debit was taken out then. All the advisor could offer was an apology. I've tried to get in touch with the mortgage provider but unfortunately the mortgage is only in my husband's name and they will not speak to me. AIBU for wondering what the heck is going to happen with regards to our credit rating etc now? Will this automatically count as a strike against us? We've never ever missed a payment on our mortgage and I'm just worried. My husband will sort out the missed payment as soon as he gets home from work late this evening but I just wanted to know whether that will sort it out or will it have had an effect on anything?
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AIBU?
AIBU to wonder how this is going to affect us?
8 replies
EricNorthmansFangBanger · 03/05/2013 14:52
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