DH and I are having an argument and clearly I am right
In all honesty this is a rather serious matter so any advice from those more knowledgeable will be appreciated. Here goes!
After months of unemployment I have finally found myself a job (even though it's incredibly monotonous and the pay is crap). Everything is done and signed but now they need to do some checks and make sure I am not lying about my education and employment history etc. Rather standard, I imagine. Since this is a job related to banking, a credit check will also be required. I had never cared much about my credit report until now, but since I knew they were going to be pulling it up, I thought I might as well check and see what's on it before they do. Everything looks good, I've paid the bills on time, no credit cards, no debt.
However there is one teeny, tiny blemish. Around 19 months ago I was out of the country to take care of my ailing sister and I fell a few days behind on my bank overdraft payment without realising it. So there are these two months where it says that the overdraft payment of some £20 was late. I have a separate saving and current account and while I don't have any formal overdraft agreement, the bank randomly allows my debit card to go 20-50 quid over the account limit sometimes. I usually pay it off straight away and there isn't an issue, but since I was out of the country and the card wasn't in regular use, i didn't even realise that this had happened.
SO.
I think that this is potentially bad and that i should put a Notice of Correction to explain why I was a bit late on those payments.
I also think that i might have to call HR to declare this.
My DH thinks I have lost my mind and that nobody cares about two £20 quid payments that were less than a month late some 19 months ago. He is also insisting that the NOC will only end up attracting needless attention to the late payments.
He insists that employers will usually not even be able to see a NOC because it is only for lenders, whereas I disagree.
Who is right?
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Please
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AIBU?
to tie myself up in knots and argue with DH over this?
38 replies
TheMrsClooney · 21/11/2013 19:40
OP posts:
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