Hi my partner and i are applying for a mortgage, and my partner had a missed payment on a loan from last year, what happened was, he doesn't check his statements much and missed a payment on the loan as the guy who does his payroll was late putting their wages in and the direct debit for the loan came out the day his wages was meant to be lodged and his wages was late two weeks that month and there was no funds in this account until his wages came through.
he didn't get any letter from the bank in question and the next three months of the loan came out fine and he didn't receive a letter from the bank about the payment that hadn't gone through until the last month of the loan he noticed two payments had come out from the bank to clear the loan, and when he rang them they said it was because he had missed the September payment and they had tried to contact him, even though he said they never did. That day he applied for his icb report and even though the loan was on the report, the missed payments were not recorded, just ticks through all the months, the outstanding balance was the final payment and the missed payment amount on the report as the icb records obviously hadn't been updated as the direct debit to clear both payments and close the account had only gone through the day the icb report was requested.
My question is, now that the the loan account is cleared in full, would the bank when finding out what the final balance on loan was, notice that they had not marked the icb report with a missed payment and do it then? Thanks