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.
The agreement should provide that if you miss a payment, the creditor will give you written notice and an opportunity to send in a late payment. This is called ânotice and an opportunity to cure.â Try to get at least 10 days to send in your late payment.