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Response to mortgage second time around - what next

from Lexie (lexie.fabriane@ntlworld.com)
Marne, Lenders refer to the register held by the Council of Mortgage Lenders and it is unlikely to be on your credit file. It remains registered for 6 years after which time it is removed. You should have been furnished with a letter from Eversheds stating that the "debt" has been settled. Your CML file should be amended to reflect the account as being settled.

It is not wise to allow repeated credit checks upon you as too many alarms creditors. It is best to resolve the main issue first.

Maybe you could send a subject access rights notice to the CML to see what data they hold on you in relation to the previous mortgage. It's a starting point. Hope this helps Lexie

(posted 7515 days ago)

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