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Unpaid direct debit letter

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  • 21-11-2007 4:16pm
    #1
    lenovoguy
    Registered Users Posts: 113 ✭✭


    Hi all,

    I got a letter in from AIB informing me that a direct debit payment on my CC failed. It was for 96 euro so I rang in to see what the story is. I normally have the amount owed paid off before it ever comes to the time the DD comes around. I'm just wondering does this impact on your credit history , even if it's a once off?

    Thanks


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    #2
    coolhandc
    Registered Users Posts: 201 ✭✭coolhandc


    yes it does afaik...


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    #3
    lenovoguy
    Registered Users Posts: 113 ✭✭lenovoguy


    Right I see. Do you know to what extent?


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    #4
    BuffyBot
    Moderators, Motoring & Transport Moderators Posts: 24,924 Mod ✭✭✭✭BuffyBot


    It shouldn't effect you terribly however, one missed payment generally doesn't cause huge problems at a later stage


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    #5
    lenovoguy
    Registered Users Posts: 113 ✭✭lenovoguy


    Phew. It's just I am worried about how it would effect applying for future loans etc. So am i freaking out about nothing?


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    #6
    BuffyBot
    Moderators, Motoring & Transport Moderators Posts: 24,924 Mod ✭✭✭✭BuffyBot


    You should be fine, if it's only one and stays that way


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    #7
    cazzy
    Closed Accounts Posts: 1,027 ✭✭✭cazzy


    Dont worry, one bounched DD for your credit card wont have any effect on your credit history
    If you dont have any payment for the month you will be charged a late payment fee of 3.81 and you may also be charged an unpaid fee of 4.44.


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    #8
    lenovoguy
    Registered Users Posts: 113 ✭✭lenovoguy


    Great thanks!so how do they reclaim the unpaid direct debit. I was told to just make a payment equal to or greater than the amount owed ASAP..


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    #9
    cazzy
    Closed Accounts Posts: 1,027 ✭✭✭cazzy


    You just have to make your minimum payment which will be on your statement
    Can do this on Internet banking if you have it


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