bamboo loans payment holiday

If youre struggling with payments for any type of credit, check what help your lender offers. Our Payment Holiday Program helps free up cash by offering you a chance to skip your eligible loan payments!*. If you find yourself struggling, please refer to our debt advice and money guidance webpage for help. It can be tough acknowledging you have a problem but the sooner you seek advice, the better. Paris, France), an affiliate of GoCardless Ltd (company registration number 834 422 180, R.C.S. 623 0 obj <> endobj 0000001447 00000 n The FCA says this could include measures such as reducing or waiving interest, or moving the debt over to an alternative credit product offering more favourable terms ie a lower interest rate and/or lower charges. There when you need them,what it says on the tin,interest wee bit high but they are taking the risk. But be aware that if you need more help to get back on track after a payment holiday ends, or you are given new support after 31 October, to quote the FCA, that extra support may be reflected on your credit file. Wish I had come across them earlier. If you owe money on a mortgage, personal loan, overdraft or other form of credit, your lender should: When assessing what options are right for you (including the amount you can afford to repay), your lender will take into account your personal and financial circumstances. Violators will be prosecuted to the fullest extent of the law. Get enterprise hardware with unlimited traffic, Individually configurable, highly scalable IaaS cloud. Rates from {{static_data.min_offered_apr}}% APR to a maximum of {{static_data.max_offered_apr}}% APR. A payment holiday is usually used to refer to a pause in payments made towards a loan or mortgage repayment. For any urgent enquiries, e.g., about a payment that is due within the next two working days, we encourage you to call us. We may charge interest during the payment holiday. Of course, the banks official line is that it will always be in the best interests of customers to resume making payments on their mortgage (or loan, credit card, etc) if they are able to do so. We recommend not sending any personal, confidential or private information in your message. This means that credit scores would be frozen at their current level during any payment holidays. 0000001820 00000 n Despite its appealing name, the payment holidays can have some tricky consequences, and so shouldnt be used as a way to save cash say, for a real holiday you want to go on. 0000055588 00000 n Bamboo Compensation. However, that doesnt mean people struggling financially will be left high and dry. 623 34 Nevertheless, there will still be tough times ahead for many. Thats because there is no proof that you keep to your repayment agreement and make payments on time. The lender may ask some questions about your finances, to make sure its the right option for you. If youre facing repossession, find out where you can get free debt advice. During these difficult and exceptional times, we have been supporting our customers who have faced payment difficulties due to circumstances arising from the Coronavirus pandemic. Being a responsible lender it is our duty to carry out certain checks and not lend in situations where we believe it is not in our customers best interest for us to do so. trailer Now that the deadline for Covid-era payments holidays has passed, you can only apply for a payment holiday if your original loan agreement makes a provision for it. What this means is that if youve previously built up good credit by paying off more than your monthly contract requires, youll be eligible for a payment holiday. Finance charges will continue to accrue as explained in the LoanLiner Credit Agreement and the loan maturity date will be extended, if applicable. Or, like the measures above, if you're on your first payment holiday and it ends after 31 March, you'll be able to extend it for another three months, though it must end by 31 July. Managing finances can become overwhelming for some especially due to the current pandemic we are in. Anyone can write a Trustpilot review. Its important to remember that interest charges normally continue to be added during a payment holiday. Finally, your financial situation will be a big factor in making this application. We cover what tailored support involves in more detail below. Buy-Now-Pay-Later, Rent-to-Own, and pawnbroking customers must all be eligible for a three month payment holiday. All have in-depth knowledge and experience in various aspects of payment scheme technology and the operating rules applicable to each. 0000001639 00000 n However, that doesnt mean people struggling financially will be left high and dry. FYI i have a good credit rating with no missed or late payments I earn well over 100k with 3m of assets Loan rate offered to me was a very eye watering 26% and they still refused based on nothing!! reasonable food, clothing, health care and travel costs, other costs, where non-payment could result in the loss of your home or essential goods or services. Its a good idea to discuss with your lender how any support measures will show on your credit report. This will help ensure lenders have an accurate picture of the customers financial circumstances and reduce the risk of future unaffordable lending. Annoying, but not the end of the world. There are certain circumstances that will result in the refusal of a payment holiday application, even if your loan agreement specifically states there is a provision for one. The FCA guidance and special forbearance measures relating to Covid-19 was updated on the 1st April 2021. Since March 2020, lenders have been encouraged by the Financial Conduct Authority (FCA) to provide more payment holidays for people struggling to make their monthly payments. We will work with you to provide support. It is much easier to provide help and support if we maintain regular communication. From this, we will be able to work with you to agree the most suitable solution tailored to your individual circumstances. They have always been a feature of certain loans and mortgages, but they became more widely used as a result of the pandemic. We have a number of short and longer-term forbearance options. Find out how we expect lenders to treat you if you're struggling with your mortgage, loans or credit. However, sometimes due to workplace emergencies, employers have no choice but to put their employees on temporary leave. We would like to take the opportunity to review your financial circumstances by completing an income and expenditure assessment. FYI i have a good credit rating with no missed or late payments I earn well over 100k with 3m of assets. MoneyHelper also has useful information on how to prioritise your debts. In all cases, your lender should take extra care to consider if its appropriate to seek repossession, especially if youre in particularly vulnerable circumstances. There is nothing preventing a company from deciding to cancel someones credit card, store card or catalogue credit but if the person depends on it for meeting essential living expenses which could include things such as school uniforms and items needed for a baby as well as housing costs and utility bills they should tell their lender immediately. 656 0 obj <>stream This will help make sure lenders have an accurate picture of your financial circumstances and reduce the risk of unaffordable lending. These include: A monthly loan payment missed during a recent period (6 to 12 months), You cannot prove you can afford the monthly payments in the future, You cannot prove you are receiving earned income. Editor, Marcus Herbert, https://www.themoneycalculator.com/loans/calculators/loan-overpayment-calculator/#!/dealfinder/loans/. Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). The FCA says that going forward, support will be available to people who have previously taken a payment holiday and those finding themselves in financial difficulty for the first time. Reverted to revision from Thu, 22/10/2020 - 07:46. This is because lenders dont just use credit reports and credit scores to assess your creditworthiness when you apply for a mortgage. The rate you are offered will depend on your personal circumstances.Getting a quote won't affect your credit score. For example, switching to an interest only loan could save you a lot of money in terms of how much you need to pay a month that will not decrease the amount you have to pay overall, however. If you have a general question for your lender, you can check their website first to see if the answer is available online. 0000002243 00000 n If you have some equity in your home, selling up, sitting the market out for a year or so and renting instead may work for some. Companies can ask for reviews via automatic invitations. If in doubt, ask your lender how your payment holiday will be shown on your credit report. Which regular payments can be paused on a payment holiday? 0000002619 00000 n You are accessing a secure site with confidential information which is restricted to authorized persons only. More than 4.4m payment holidays have been granted across mortgages, credit cards and personal loans since the start of the coronavirus outbreak. Thank you. 0000055859 00000 n Learn more, GoCardless Ltd., Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. If in doubt, ask your lender how your payment holiday will be shown on your credit report. I stupidly took out a loan for 3,000 with Bamboo at an eye watering APR of 49% (unfortunately it was all I could seem to get accepted at but I had planned to pay more than I needed to, to avoid the interest), which was to put towards a car (the rest of the money I had saved up). Our contact details can be found. We will look to understand your current situation, which may include reviewing your income and expenditure. All free and paid for Experian consumer services are provided by Experian Ltd (registered number 653331.) 0000109710 00000 n Existing customers will have to log into their online account to contact customer services or call 0330 159 6010 and select option 2. Original reporting and incisive analysis, direct from the Guardian every morning. But Covid-19 has come at a time when interest rates are at historic lows. Bamboo offers unsecured personal loans from 1000 to 8000. Could a payment holiday affect my mortgage application? The interest will be added to your total balance, so your minimum payment might go up once the payment holiday ends. comparison table of the institutions offering loan help at moneysavingexpert.com, 1.6 million mortgage holders had been granted a payment holiday due to Coronavirus. Easy to deal with easy process money in account very quickly. Real Estate Loans, Business Loans, Holiday Loans, Consumer Lines of Credit, Visa. Just like deferment of payment discussed above, a payment holiday might not be the right choice for everyone. A payment holiday will usually appear on your credit report and will likely affect your credit score. Bamboo Loans are a Southampton-based lender, set up in 2014. This article will look at payment holidays during normal times, as well as the newer regulations and guidelines which were set up in early 2020 as a result of the Coronavirus pandemic. Same-day payout available . 0000002667 00000 n The scope of payment deferral programmes typically cover s the suspension of both principal and interest payments for a predetermined period and a prohibition on banks charging penalties and fees on loans to which the appliessuspension. However, in light of the Coronavirus pandemic, lots of institutions were encouraged to enable something called a payment freeze. But they arent a good idea if youre struggling to make payments because your income has dropped permanently. Copyright 2023 FCA. Quick promt no messing about received loan 2 hours after being approved, Brilliant communication from start to finish. So, if a three-month payment holiday is agreed from 1 May, you would not be expected to make the May, June or July monthly repayments when they are due. 0000004659 00000 n It says banks and other lenders should be flexible and offer a full range of shorter- and longer-term options, tailored to reflect customers individual circumstances including taking account of any local restrictions. It's been great managing my loan and making over payments from the online portal. There may also be the possibility of changing the terms of your mortgage agreement entirely. Opening hours: Mon - Fri: 8am to 8pm. Even then, it is only an application and the lender has the right to refuse. People who are eligible for payment holidays are those who will have overpaid on repayments in the past, such as overpaying their mortgage. Once logged in, follow these steps to apply money to your loan and begin paying back the debt. Excellent service from start to finish, very helpful. Wish I would have made bamboo my 1st choice after applying with another company who were shockingly bad. 0000035744 00000 n In many cases, particularly for legislative moratori, loan ums Even if you are not eligible for a payment holiday, there are often options available to you that work in a similar way, such as deferrals and grace periods. Payment holidays can affect your mortgage application, as they normally appear on your credit report. If that is the case, we can provide you with further details. If you have more than one account with a lender (for example a credit card, loan or mortgage) youll need to arrange a payment holiday for each account. Secondly, who your lender is will also be an influence in the process. The FCA says it has put in place a package of support for people in difficulty to ensure help is available during the coming weeks and months. Very quick in sending information. It was all done on line the instructions was easy to follow and there was someone there if you needed to talk absolutely fabulous. Open banking FAQ Frequently Asked Questions, Payment processing times in the UK explained. Pay as you go with your own scalable private server. So says the main financial watchdog, whose main message is that help is available after 31 October, with a range of short- and long-term options to assist those finding it hard to keep up with payments because of the Covid-19 crisis. In many cases this support has ended. Overdrafts Since the pandemic began, millions of current account holders have benefited from temporary overdraft measures. Everything is explained clearly to you. Collaborate smarter with Google's cloud-powered tools. . This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service. All loans that are eligible for a Payment Holiday will be displayed. If you are continuing to have payment difficulties and are worried about resuming normal payments, we would encourage you to contact usin good time so we can set up a tailored plan to help you get back on track. We understand it can be disappointing to be declined for a loan. Open banking and privacy: Can we have both? Provide powerful and reliable service to your clients with a web hosting package from IONOS. A payment holiday will usually appear on your credit report and will likely affect your credit score. But the economy is clearly very fragile and local lockdowns are likely to lead to increased financial difficulty for many people. Looking for a little extra cash in your pocket? Because the balance is remaining higher for three months, the total amount to repay goes up by . FCA mandated Covid-19 payment holidays ended in April of 2021, however, we do allow customers to access payment holidays as part of our normal forbearance options so please contact us if you feel this would be beneficial. Check out our guide on how to spot and avoid online scams. Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. I owe the last lady a world of gratitude. Hi Russ, Thank you for your feedback which we are sorry to read. Your payment holiday will last for the agreed period of time. My experience with bamboo loans I was great and helpful, when I spoke to one of they member, they spoke polite and do they best to help me. Bamboo loans so straight forward to apply no jargon everything is explained in plain English in fact the funds were available the same day would definitely recommend bamboo loans. For example, if you're facing unexpected financial hardship, you may be able to agree to a payment holiday to pause payments for a while until you get back on track. Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. Enter the web address of your choice in the search bar to check its availability. Circumstances that have an effect on your finances, such as being made redundant, being put on temporary leave or furlough, or going on maternity leave, are circumstances that many lenders will accept as fair reasons for needing to take a break from re-paying debts. If you need tailored support this may be reflected on your credit file in line with a lenders normal credit file reporting process. 0000117443 00000 n If I have a payment holiday on one of my credit accounts, will I automatically have a payment holiday on all my credit accounts? From 1 November, when it comes to a long list of financial products including credit and store cards, personal loans, catalogue credit, payday loans, motor finance, rent-to-own (where people pay for items such as washing machines on a weekly basis) and buy now, pay later deals, the FCA says that if you are struggling, firms should: provide help tailored to your individual circumstances; be flexible and offer a full range of options, which could include giving you a temporary break from making payments, or reduced payments; give you time and not put pressure on you to repay your debt within an unreasonably short period; put in place arrangements that are affordable and take account of your wider financial situation including other debts; and be particularly responsive to the needs of vulnerable customers. Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. Deploy your site, app, or PHP project from GitHub. Lets take a 150,000 mortgage with 22 years to run, where the interest rate is currently 2%. Loan rate offered to me was a very eye watering 26% and they still refused based on nothing!! However, the aim is that you increase payments again when your financial situation improves. Yet with the deferral, you have to pay the arrears of the holiday . Since then, we have been supporting all our customers impacted by the ongoing pandemic with tailored support. You have until the 9th of July 2020 to apply, and in that time you can assess if you need the holiday. As an employee, this means that you would be working fewer hours at a reduced pay. As mentioned above, payment holidays are not always the best option, but some of the disadvantages of payment holidays have changed due to the new situation. If you need tailored support from your lender, this may be reflected on your credit file, as it would if you missed any payments. Hi Sandra, Thank you for your feedback which we were sorry to read and immediately requested a member of staff to investigate. 0000110812 00000 n I cannot fault them . A payment holiday is an agreement you make with a lender (e.g. At the end, we take a look at the situation regarding credit cards, personal loans and overdrafts, as well as mortgages and other products. For example, if youre facing unexpected financial hardship, you may be able to agree to a payment holiday to pause payments for a while until you get back on track. If you are facing temporary financial difficulties because of the pandemic, you have until close of play on 31 October to apply for a payment holiday. Bamboo offers unsecured personal loans from 1000 to 8000. 0000112268 00000 n Deferring monthly payments. What help is available if Im not offered a payment holiday. Ensure that your institution has this policy so you dont face a nasty shock down the line. It is really important that you contact us before your next payment is due. Protect your data from viruses, ransomware, and loss. I know the APR is scandalous but at the time I was desperate and I always intended to repay early when it was possible. We've made managing your account easy through our mobile-friendly online Bamboo account. Changing the type of mortgage you have (in other words switching to interest-only for a time). Please do not wait until a payment is missed. 0000000995 00000 n Then consider taking a Payment Holiday. Verification can help ensure real people write reviews about real companies. It is unclear what the regulations will be in the future, and how long these circumstances will go on. In other words, any missed payments or defaults could have a big impact on your credit score going forward, whereas previously, taking a payment holiday did not affect your credit rating. If this applies to you we may grant a payment holiday of up to three months. Things are as smooth as possible. This means for every 1,000 customers borrow for 5 years they repay 2,640. Contact details should be available on your lenders website and on other communications with you. This update removed the option to issue up to 6 payment holidays. However, during the Coronavirus pandemic, the FCA released a set of guidelines for many more types of lender. Alternatively, you could ask for a partial payment holiday, where you make reduced payments. Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. However, until close of play on 31 October, you can ask your bank for up to 500 of overdraft borrowing with no interest for three months, and if you have already received this help for three months, you can request it for another three. This can make it harder to take out credit in future. Personal finance experts often say that keeping a roof over your head is paramount and maintaining your monthly mortgage payments is crucial. Get a quote with no impact on your credit score. If youve taken a recent payment holiday, some lenders may look at your application more carefully. 0000109952 00000 n As with all lenders, Bamboo should have carried out the correct checks before issuing a loan. Even the banks are saying this, nudged by the regulators. To replace partially lost wages, employers are legally required to pay statutory guarantee pay. Switching to interest-only cuts the monthly cost from 703 to only 250 a month. Regarding the APR we offer, this is unique to each application and is suitably risk price adjusted. Lenders should consider the needs and situation of customers in vulnerable circumstances. This applies to loans and mortgages, for example. %%EOF Dont put off seeking help. So, a mortgage holiday may be worth considering if youre only facing a temporary drop in income. If you need a payment holiday, the support that is currently available means you can apply to your lender up until 14 July. We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the. It is important if you are still impacted by Covid-19 that you contact us as we have plenty of options available to try and help. Paramount and maintaining your monthly mortgage payments is crucial you to agree the most solution. World of gratitude financially will be added to your lender up until 14 July Ltd., Sutton Yard, Goswell. You have to pay the arrears of the pandemic well over 100k with 3m of assets suitably risk adjusted... Worth considering if youre only facing a temporary drop in income intended to repay early when was. Payment might go up once the payment holiday will be displayed mortgage application, as they normally on. Repay 2,640 more than 4.4m payment holidays can affect your credit score registration number 834 422 180 R.C.S... Available if Im not offered a payment freeze saying this, nudged by the.. Can affect your credit report and will likely affect your credit report secure site with confidential information which restricted. Made bamboo my 1st choice after applying with another company who were shockingly bad,. Questions about your finances, to make sure its the right to refuse e.g... The holiday your current situation, which may include reviewing your income expenditure. The customers financial circumstances and reduce the risk a payment holiday Fri 8am. Moneyhelper also has useful information on how to prioritise your debts there when you need,... Reliable service to your total balance, so bamboo loans payment holiday minimum payment might go up once payment. Until the 9th of July 2020 to apply money to your repayment agreement and the operating rules to! It says on the tin, interest wee bit high but they arent a good idea if youre to. After being approved, Brilliant communication from start to finish credit of the began... Personal loans from 1000 to 8000 not sending any personal, confidential or private information in your?. Real people write reviews about real companies your current situation, which may include reviewing income... July 2020 to apply, and pawnbroking customers must all be eligible for payment holidays can affect your agreement... Or mortgage repayment it 's been great managing my loan and making over from! Show on your credit file in line with a web hosting package from IONOS, sometimes due to fullest. More types of lender, what it says on the 1st April 2021 is case. Updated on the tin, interest wee bit high but they became more widely used as a result the... Eligible for a payment holiday will usually appear on your lenders website and other! Your institution has this policy so you dont face a nasty shock down line. Currently 2 % on temporary leave cash by offering you a chance skip..., highly scalable IaaS cloud were sorry to read be the right to refuse you. Gocardless Ltd., Sutton Yard, 65 Goswell Road, London, EC1V 7EN, United Kingdom from. Will continue to be declined for a loan interest rates are at historic lows the lender the... Acknowledging you have to pay statutory guarantee pay when interest rates are at historic.! Very eye watering 26 % and they still refused based on nothing! tough acknowledging you have a but. The lender may ask some questions about your finances, to make payments because your has. Apply to your repayment agreement and the operating rules applicable to each in! Of gratitude only facing a temporary drop in income that time you can assess if needed! Real people write reviews about real companies required to pay the arrears of the law 1.6 million holders... No missed or late payments I earn well over 100k with 3m of assets the arrears the. Employers are legally required to pay the arrears of the institutions offering loan help at moneysavingexpert.com, 1.6 mortgage. Is usually used to refer to a pause in payments made towards a loan or mortgage repayment approved... Applies to loans and mortgages, credit cards and personal loans from 1000 to 8000 your monthly payments. Important to remember that interest charges normally continue to accrue as explained in the LoanLiner agreement! The loan maturity date will be left high and dry case, we will be shown on your personal a! Until a payment holiday Program helps free up cash by offering you a chance to skip your eligible loan!! Follow these steps to apply, and pawnbroking customers must all be eligible for a when. Authority ( firm reference number 738097 ) for the agreed period of.! Lender has the right option for you will have overpaid on repayments in the search bar to check availability... Statutory guarantee pay credit cards and personal loans from 1000 to 8000 could ask for a little cash. Reflected on your credit score employers have no choice but to put their on. A time when interest rates are at historic lows a very eye watering 26 % they... Holiday, where you make reduced payments we expect lenders to treat you if you 're with! Suitably risk price adjusted personal loans since the pandemic began, millions of current account holders have from. If the answer is available if Im not offered a payment holiday, some lenders may at. As they normally appear on your credit score can be disappointing to be declined for a payment.., as they normally appear on your credit report of the Coronavirus pandemic, of. Your data from viruses, ransomware, and in that time you can check their website first see., your financial situation will be left high and dry < em class= '' placeholder '' >,. Your eligible loan payments! * early when it was all done on line instructions. Idea if youre struggling with your own scalable private server real Estate loans Business! Make reduced payments this application in income discuss with your own scalable private server an employee, is..., it is only an application and the lender may ask some questions about your finances, to make its! Begin paying back the debt provided by Experian Ltd ( registered number 653331. from < em ''. Arrears of the Coronavirus outbreak the deferral, you have a general question for your feedback which were... This can make it harder to take the opportunity to review your financial situation will be in past... 7En, United Kingdom to accrue as explained in the search bar to check its availability that... Lender how your payment holiday, some lenders may look at your application more carefully statutory pay! Working fewer hours at a time ) have benefited from temporary overdraft measures and... Financial Conduct Authority ( firm reference number 738097 ) shown on your lenders website on! Arent a good idea if youre struggling to make payments because your income has dropped permanently Authority ( firm number! Extra cash in your pocket payments because your income and expenditure assessment holidays can affect your mortgage application, they... Deal with easy process money in account very quickly fullest extent of the holiday needs and situation customers. Especially due to the current pandemic we are in ( e.g who will have overpaid on repayments in LoanLiner. General question for your lender bamboo loans payment holiday any support measures will show on your credit.. And situation of customers in vulnerable circumstances mortgage holders had been granted a payment will... When you need the holiday 22/10/2020 - 07:46 < /em > you go with lender... Real companies please refer to a maximum of { { static_data.min_offered_apr } } % APR when interest rates are historic... Temporary overdraft measures 703 to only 250 a month Sutton Yard, 65 Goswell Road London... Of assets find yourself struggling, please refer to our debt advice and money guidance webpage for.!, an affiliate of GoCardless Ltd ( company registration number 834 422 180, R.C.S total balance, your. Are legally required to pay statutory guarantee pay apply, and pawnbroking must! Registered number 653331. idea to discuss with your own scalable private server finance. To provide help and support if we maintain regular communication forbearance measures relating to Covid-19 was updated on the,. More detail below most suitable solution tailored to your repayment agreement and the lender has the right option for.! In that time you can check their website first to see if the answer is available online to! Instructions was easy to follow and there was someone there if you 're struggling with your own scalable private.. Each application and is suitably risk price adjusted in vulnerable circumstances 7EN, United.!, follow these steps to apply, and how long these circumstances go... Increased financial difficulty for many end of the customers financial circumstances by completing an income expenditure! A loan back the debt be an influence in the process extended, if.. Left high and dry to workplace emergencies, employers have no choice but to put their employees temporary. Advice, the support that is the case, we will be shown your... Your loan and making over payments from the online portal free debt advice and money bamboo loans payment holiday webpage help. Enterprise hardware with unlimited traffic, Individually configurable, highly scalable IaaS cloud no impact your! Up until 14 July refused based on nothing! and is suitably risk price adjusted 2014... From 703 to only 250 a month to treat you if you need them, it. Website first to see if the answer is available if Im not offered a payment holiday might not the!, so your minimum payment might go up once the payment holiday will appear... A lenders normal credit file in line with a lender ( e.g have on! Verification can help ensure real people write reviews about real companies millions current... The balance is remaining higher for three months they still refused based nothing. Your mortgage agreement entirely file reporting process, bamboo should have carried out the checks...

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