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  • Home | Help Center | I have missed my payment, what happens next?

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Related Questions

I have missed my payment, what happens next?

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What if I need to change my payment date permanently?

What if I know I won’t be able to meet my next monthly payment on the due date?

My Customer portal question’s

Is there an option to pay my loan off early?

How much credit have I left to use?

When is my first payment due?

Is my approval still valid?

How do I login to my customer portal?

Can I increase my approval limit?

Do I have to pay off my current finance before making a new application?

Can I pay off my humm agreement early?

How do I update my card details for payment?

Hey, why did I get a smaller amount than I expected?

I can’t access my online portal – can you help?

I have missed my payment, what happens next?

You can make a manual payment through your customer portal or using the quick pay link that you will receive by SMS on the due date when the payment has been declined.

If no manual payment is made on the due date and the payment on the due date due was declined by your Bank due to insufficient funds we will process a retry for the payment amount on the following day automatically around 7am.

If the payment is still outstanding after the first retry then a one off €9 late fee is applied and will be due to be paid in addition to the monthly payment amount. If no manual payment is made during a day we will continue to retry for the payment plus one off fee daily for a period of 27 days.

If the card for payments on file has expired, be damaged and replaced or been reported lost stolen you will need to update the card details and make a manual payment. Please go to my portal questions here for more information (add link to this FAQ). In these circumstances no late fee is applicable.

If you are experiencing temporary or longer term financial difficulties, please email us at [email protected] providing all relevant details of your circumstances so we can work with you to manage the situation.

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humm, Level 4, No. 5 Custom House Plaza, Harbourmaster Place, Dublin 1. humm is a Retail Instalment Payment Plan Facility and is governed by the laws applicable to the Republic of Ireland. humm is underwritten by FlexiFi Europe Limited, Company Number: 600124. Flexifi Europe Limited, trading as humm is regulated by the Central Bank of Ireland.