I got my Credit Score Report and all of my late payments ( even 10 GBP ) were listed. But maybe you work for "Black Horse Ltd." and you know it better. Free Credit Check, Credit Report and Credit Score from Experian UK Why missing a payment could cost you dear | MoneySupermarket.com
Santander are renown for charges like this. The problem comes when the charges are applied to tip you overdrawn the next month, as happened to my daughter when she was a uni student and her grant went in late. She complained and got nowhere, yet a big black guy did the same and got a refund, i wonder why?
Ahhhh!.........a late payment is different from going £10 overdrawn which is what 'Barsteward' did. Maybe it was payments for a loan/mortgage etc in which case that might indicate that you're unreliable or prone to default. Not such a big deal if there's just one or two late payments over a 'long' period and many payments and you fulfill the loan. But going overdrawn for a small sum is something almost everybody does, they're not bothered with that, unless you're persistently going overdrawn especially for larger amounts.
OK, I got it.! I did not know there is a difference. I am doing everything by direct debit now to avoid such these charges.
