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.
1 Otherwise, a single 30-day late payment should not cause lasting damage.  60 days late â Similarly, recent 60 day late payments cause the most damage. Again, the exception is if you are 60 days late often which will certainly hurt your scores. Otherwise, one late payment should not cause long term damage.