Missed mortgage payment with Ulster Bank

Discussion in 'Mortgages and buying and selling homes' started by Ush1, 29 Dec 2018.

  1. Ush1

    Ush1 Registered User

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    10
    I started a new job and made a bit of a mess up by not changing the day my mortgage is taken out on.

    I have a mortgage payment due on the 4th but won't have the money there until the 5th. I rang Ulster bank and was told make a manual payment the next day.

    Would this effect my credit rating or anything else?
     
  2. DeeKie

    DeeKie Frequent Poster

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    256
    You can change your mortgage payment day so ask if you can do that.
     
  3. Ush1

    Ush1 Registered User

    Posts:
    10
    Thanks I did but they said it won't take effect until Februarys payment.
     
  4. RETIRED2017

    RETIRED2017 Frequent Poster

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    581
    Last edited: 29 Dec 2018
    I would call in in person if possible Ulster Bank appear to have a very good banking system in place to help people who have problems ,

    I happened to be in my local branch last week and seeing them first hand dealing with Issues thrown us by there systems the have a go to person in place in my local branch who provide a very good service ,
     
    Last edited: 29 Dec 2018
  5. newtothis

    newtothis Frequent Poster

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    514
    Short answer: no, assuming it's sorted out within a few days. Mess ups like this happen all the time. It won't even be noted internally, much less notified anywhere else.
     
    Ush1 likes this.