I made a lump-sum payment on the 6th March thinking it would cover my March statement, I logged onto my tescos account today (1/4/18) to find I had a late payment fee and my statement restarted on the 9th March (unaware) and a payment was due by 29th March - immediately I paid the minimum for time being and decided I would call up tescos and explain myself, I had been hospitalised for nearly a week (proof of discharge letter offered) and was basically told it's my fault, but can refund the late fee payment.
Personally I'm not fussed about the £12 charge as it's half my fault - I should of kept an eye on my account.
I asked who could I contact to explain the missed payment to so it won't damage my credit rating.. but no advice given.
But I'm slightly concerned of my credit rating though and having this 'black mark of missed payment on record' as I am saving and plan to apply for a mortgage at the end of this year, I have never EVER in my time missed a payment or been short of money to pay my debts, it is a genuine mistake.. I was hoping would me missing a payment by 3 days make a huge impact on my chances of a mortgage in the future. My credit rating is good/excellent as it is and I have always made sure it's in good shape.
Please any advice or help is extremely grateful! Many thanks.