London and the South East have one of the mildest climates in the UK, but the weather can be unpredictable. Londoners get used to carrying both an umbrella and sunglasses to be prepared for all eventualities! Summer can be very pleasant with temperatures averaging 18Â°C (64Â°F) and often into the low 20s.
Your best bet is to get a personal contact at the company that has the power to erase the late payment from your credit report. If all else fails, try as many different communication methods as possible. Call, mail, fax, live chat (if your servicer offers it), and email them.
Note: Any online payments scheduled to post will also be canceled at the same time the corresponding bank account is deleted. You will not be late if you submit your online payment before 5:00 p.m. EST the date it is due. However, if your payment is after 5:00 p.m. EST, then you may be subjected to late fees. See Payment Posting Information to learn more.