I have recently switched from UB to NIB. UB have closed my account and closed my internet access, however the switch does not seem to be fully complete. I don't know if my dd's/so's have been paid that were due at the start of the month, NIB told me there is an undertaking between banks to pay these, but there was a huge delay in the whole thing and so the switch only took place over Christmas, worst time possible. I know/presume this will be sorted farily quickly, however my real concern is that my mortgage is due out on 7th of month and I had one other loan payment due at the end of December. If these aren't paid on time due to the inefficiencies of the banks, could this harm my credit rating. I'e never missed any payment before, so am a little worried. Does anyone know where I stand?