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Landmark Mortgages - posted debt file to Experian

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Some history

- I had a mortgage with Northern Rock,

which was then transferred to NRAM

and now to Landmark mortgages.


Today I checked my Experian report, and Landmark Mortgages have posted an arrears file going back 5 years without notifying me.


Sometime ago I was unable to pay my mortgage fully so have a 19K arrears which I am now negotiating with them to make a repayment plan

- for the last year or so the mortgage payment has been made monthly via Standing Order for the full amount plus a small over payment so the arrears are declining.


My question?

Whilst the arrears were accumulated with NRAM as I paid via standing order no credit file was ever posted to Experian

- Now this file had been posted my score this month has declined to very poor 355 score.

How can I address with Landmark?


Surely they cannot just post a file to Experian like this when I have no signed credit agreement with Landmark?


Haven't they bought the debt from NRAM?


All advice gladly accepted

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well sadly they can if no previous reported default was ever showing for your mortgage?

but if at anytime someone has already reported a default then NO THEY CANT .


they inherited all rights of the original lender when they bought the mortgage

though you should have had letters of assignment telling you its being sold on?



as for you overall situation

i'd be getting an sar running and get all the statements from day one.



as I bet you've all manner of unlawful reclaimable charges [fees]




phone calls

debt management



and probably all manner of unnecessary insurances? like life/PPI/contents etc etc?

they only thing you MUST have in place is buildings.

and that's only if you didn't already have it?



have a read of this:





please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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