PaRtZ Posted April 16, 2007 Report Share Posted April 16, 2007 well i have to pay on the 21st and the only money i had in paypal was transferred today (which will cover me) but it takes 5-7 working days to go through so it seems im going to miss the deadline... anyone had similar probs? im with ecar Quote Link to comment Share on other sites More sharing options...
Matt_Zoot Posted April 16, 2007 Report Share Posted April 16, 2007 Might be worth calling them and explaining your problem. Some companies are fairly lenient and will allow a couple of extra days. After all, they want the dosh!Might as well give it a go Quote Link to comment Share on other sites More sharing options...
Prawny Baby Posted April 16, 2007 Report Share Posted April 16, 2007 mate, this is what parents are for im afraid, its a tough one to swallow, but you have no choice.''mum, dad, i f**ked up, im broke, i need £100 or i get a bad credit rating, i can give it straight back to you in 5 days''either that, or ask a GOOD mate......really, dont miss a payment, it fooks things up, my insurance company got shitty when i did, and the bank charged me £38 the 3 times it happened too! then refused to give me a student account with overdraft based on my bad credit rating as a result of missed insurance payments! Quote Link to comment Share on other sites More sharing options...
Tomm Posted April 16, 2007 Report Share Posted April 16, 2007 Really, dont miss a payment, it fooks things up, my insurance company got shitty when i did, and the bank charged me £38 the 3 times it happened too! then refused to give me a student account with overdraft based on my bad credit rating as a result of missed insurance payments!Ouch, how can you be a student without an overdraft? I'm on -£1698 at the moment (not including my load of course) Quote Link to comment Share on other sites More sharing options...
Alexxx Posted April 16, 2007 Report Share Posted April 16, 2007 Ahhh now i'm worried as i'm going to miss my payment this month due to my wages being totally slashed at workDo people just suggest ringing up then? i doubt i have very many ways of borrowing money either! Ekkk!!Alexxx Quote Link to comment Share on other sites More sharing options...
BONGO Posted April 16, 2007 Report Share Posted April 16, 2007 mate, this is what parents are for im afraid, its a tough one to swallow, but you have no choice.''mum, dad, i f**ked up, im broke, i need £100 or i get a bad credit rating, i can give it straight back to you in 5 days''either that, or ask a GOOD mate......lol, i just gave my mate £2000 lol. I'll get it back in August! Parents are always there though defo shout em! Quote Link to comment Share on other sites More sharing options...
br3n Posted April 17, 2007 Report Share Posted April 17, 2007 You weont get a bad credit rating, worst that'll happen is you'll get a bank penalty of like £30 and the insurance company will try taking the money again in around 7-10 days.If you dont know the answer to something, DOnt just make something up. Quote Link to comment Share on other sites More sharing options...
Prawny Baby Posted April 17, 2007 Report Share Posted April 17, 2007 i didnt make it up, things like missed direct debit payments do go against your credit rating.they effect your behavior score, which everyone has with their bank, and the banks generally will not tell you about.your behavior score is based on how you use your money, missed payments, constantly near the bottom of an overdraft, constant payments out with nothing going on, they all effect behavior score, likewise, mobile phone contracts, car insurance direct debits, regular payments in and out of a similar level, all help the behavior score.when you go to your own bank for a loan, its this behavior score that they use to asses if your a safe bet for a loan.i was told all this when i was refused a student account when i started uni, and i was showed on screen how my behavior score had risen and fallen over the past few years, and how it had dropped MASSIVELY when i missed direct debits. i was told this made me a high risk customer.its true the insurance company will just try to take the money again in 10 days time, but the original debit request is still rejected. which goes against you. Quote Link to comment Share on other sites More sharing options...
Krisboats Posted April 17, 2007 Report Share Posted April 17, 2007 i didnt make it up, things like missed direct debit payments do go against your credit rating.they effect your behavior score, which everyone has with their bank, and the banks generally will not tell you about.your behavior score is based on how you use your money, missed payments, constantly near the bottom of an overdraft, constant payments out with nothing going on, they all effect behavior score, likewise, mobile phone contracts, car insurance direct debits, regular payments in and out of a similar level, all help the behavior score.when you go to your own bank for a loan, its this behavior score that they use to asses if your a safe bet for a loan.i was told all this when i was refused a student account when i started uni, and i was showed on screen how my behavior score had risen and fallen over the past few years, and how it had dropped MASSIVELY when i missed direct debits. i was told this made me a high risk customer.its true the insurance company will just try to take the money again in 10 days time, but the original debit request is still rejected. which goes against you. And will probably charge you a fee for not being able to pay it, something around £30-40. Which you'll have to claim back through the steps in that thread we had a little while ago about claiming back illegal charges by the banks. Quote Link to comment Share on other sites More sharing options...
PaRtZ Posted April 17, 2007 Author Report Share Posted April 17, 2007 thanks for the scary readings guys; mums bailed me out thanks Quote Link to comment Share on other sites More sharing options...
Ben Cox Posted April 18, 2007 Report Share Posted April 18, 2007 could always ask your bank for a temporary overdraft to bail you out? Quote Link to comment Share on other sites More sharing options...
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