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Hello,

 

I am looking for some advice.

 

 

I applied for a mortgage in December after receiving a Decision in Principle earlier this year.

I was disappointed for the application to be declined based on my credit file.

 

 

I got a copy and noticed that a default from 2012 with Motormile had been moved to 2016, which is likely to be why the mortgage was declined as other than that my credit file is clear.

 

I contacted Motormile who admitted to their administration error and said they would update my file in 4 weeks.

 

 

After 4 weeks it wasn't updated so I chased again and they confirmed it would be done within 2 weeks.

 

 

After 6 weeks it was finally updated.

 

 

2 days later I was about to submit my mortgage application again,

went on to quickly check my credit report again

and noticed the default has been updated again with a 2016 date!

 

While all of this has been going on the seller has been getting quite upset (rightly so) and at this stage it looks like the house purchase will fall through because I can't secure the mortgage.

 

 

I know if this default is updated I will get the mortgage though.

 

does anyone have any advice on getting Motormile to fix this again and update the CRA's immediately, is it even possible?

 

 

I have reported it to the ICO but I don't have time to wait on them investigating.

Previously I raised notices of correction with the CRA's but they all came back to say they were not updating their records, even though I have correspondence from Motormile saying the date on my credit file is incorrect.

 

Thanks in advance!

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Hello and welcome to CAG.

 

People should be along later with advice for you, hopefully we can help you to resolve this. Please bear with us until they're able to get here. :)

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hello,

 

I am looking for some advice. I applied for a mortgage in December after receiving a Decision in Principle earlier this year. I was disappointed for the application to be declined based on my credit file. I got a copy and noticed that a default from 2012 with Motormile had been moved to 2016, which is likely to be why the mortgage was declined as other than that my credit file is clear.

 

I contacted Motormile who admitted to their administration error and said they would update my file in 4 weeks. After 4 weeks it wasn't updated so I chased again and they confirmed it would be done within 2 weeks. After 6 weeks it was finally updated.2 days later I was about to submit my mortgage application again, went on to quickly check my credit report again and noticed the default has been updated again with a 2016 date!

 

While all of this has been going on the seller has been getting quite upset (rightly so) and at this stage it looks like the house purchase will fall through because I can't secure the mortgage. I know if this default is updated I will get the mortgage though.

 

So does anyone have any advice on getting Motormile to fix this again and update the CRA's immediately, is it even possible? I have reported it to the ICO but I don't have time to wait on them investigating. Previously I raised notices of correction with the CRA's but they all came back to say they were not updating their records, even though I have correspondence from Motormile saying the date on my credit file is incorrect.

 

Thanks in advance!

 

Hello I'm new here but I see your post has not been answered.

 

I suggest ( if you have not done so) that you place notices of correction on the credit files with the 3 main agencies.

 

Then have a look for the boss/MD/ CEO of motor mile and make a formal complaint to them using signed for post. This means that they must investigate your complaint and respond in 56 days, if they do not resolve the complaint then a complaint to the information Commissioners Office is the next process.

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what date was the original defaulted date by the payday loan lender that placed it?

 

 

motormile are merly updating it as long as they don't CHANGE the org date, they adoing nowt wrong.

 

 

if the OC placed the default in 2012

its there for 6yrs anyway

so will still show regardless

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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