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Sorry about the length of this thread but I wanted to get everything in. I am a buy to let landlord, I have recently got into a couple of problems with tenants paying late and have run up small amounts of arrears £100-£150, I have taken steps to reduce the arrears over a 3 month period.


I have been making payments to Platform by cheque each month, I have more than one account and make one cheque payment to cover all the mortgages, I enclose the mortgage account numbers in a letter and on the back of the cheque with my request.


Two months ago the cheque was cashed and added to only ONE account, the others were marked as UNPAID, I wrote to Platform expressing a little anger and was told it was their mistake and that it wouldn't happen again. I was told to make the payments as agreed and it would be sorted at their end.


At the end of May I again sent a cheque for the total amount with the letter and cheque, I then received a visit from my tenant telling me of a visit by "Move with us" telling the tenant I have defaulted on my mortgage, when I took this up with Platform they explained that they received & cashed my cheque on the 4th June but it wasn't spread to my accounts until the 24th June.


I would like to know what steps I should now take?

Edited by citizenB

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You can ask for them to pay back the charges or you will complain to the FOS and The OFT.

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That's ok but what about them telling my tenants I have defaulted on my mortgage, if the payment was spread correctly there would have been no arrears:sad:

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You might want to have a word with the Information Commissioner in respect of them telling people you are in arrears. I would think they have probably breached confidentiality.

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