Default notice

The Ts&Cs will explain late fees, so you should have been aware. Pay it ASAP.

There’s nothing In the t&cs just says if your late you mate get a late fee

Exactly. So what's your problem?

I don’t know when I need to pay the late fee by without defaulting

Do you have £12 to pay it now?

I’ve already paid it! I paid it on the 22nd but it was put on the 8th but I didn’t see it until the 22nd so I paid it then

Then if the notice didn’t have a deadline date you can just forget about it.

“If you have not already done so, please rectify the position straight away to avoid any further charges and default communications. If you are having difficulty making payments or keeping to the terms of the agreement we would like to hear from you”. That’s all it said

Then forget about it. No deadline date and you’re paid up and settled.

I just really don’t want this to default onto my credit file

The original default is likely already on there.
Unless you’re applying for some form of credit over the next 12 months it’s unlikely to make much difference.

The thing is Feb is ticked so I guess I’m technically a month behind so it will be march that does it. And yeah I am cos I’ve just exchanged contracts for a mortgage this is why I’m so worried. Literally can’t sleep or eat and I know it’s my fault

Very unlikely to affect a mortgage application. If you default on that then they get the property. Win win for them.

Do you mean if I default on the mortgage?

Yes.
I appreciate it’s worrying but there’s nothing you can do about your previous default. It may be worth getting a copy of your credit report if it will
put your mind at ease.

“If you have not already done so, please rectify the position straight away to avoid any further charges and default communications. If you are having difficulty making payments or keeping to the terms of the agreement we would like to hear from you”. That’s all it said