I have a loan with HFC which is repaid by standing order from my ulster bank current account. Today I noticed that the last two payments didn't go through. So I checked my standing order status which is shown as 'Retained'. I really don't know what it means as I haven't made any changes. Nor did HFC contact me regarding non payment nor did UB tell me anything about it. Whom should I contact. And will it affect my credit rating even though I am not at fault? Any help is greatly appreciated.