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Story so far. Sorry if it goes on a bit.
had a few problems with mortgage, only missed one payment over 2 years ago. Put a payment arrangement in place, paid if off, arrangement ended Dec 2006. In Sept 07 applied for extra borrowing on mortgage, went through fine, so obviously no problems on credit report then. Have not missed a payment for over 2 years, it goes direct debit out of our natwest current account to the natwest mortgage without fail.On 1st Feb this year, checked my credit file on experian, only to find that the status for the month before was showing as a (1), although the current status was (0). Phoned morgage crew, finallyy spoke to someone who understood what I was talking about, she agreed that it was incorrect, I faxed her over a copy of the report, she rang to say it would be corrected. Then i forgot about it. (I know, I know!)
Anyway, rang yesterday to ask for a further 5k to be added onto mortgage. It got declined. When i asked why, when only 6 months ago we'd had no probs, i was told it must be something recent. Light bulb in my brain clicked on, checked credit report, only to find that last months status is now showing (0) and this months is (1).
Have rung complaints and they are supposed to be calling me back.
What should i do now?
had a few problems with mortgage, only missed one payment over 2 years ago. Put a payment arrangement in place, paid if off, arrangement ended Dec 2006. In Sept 07 applied for extra borrowing on mortgage, went through fine, so obviously no problems on credit report then. Have not missed a payment for over 2 years, it goes direct debit out of our natwest current account to the natwest mortgage without fail.On 1st Feb this year, checked my credit file on experian, only to find that the status for the month before was showing as a (1), although the current status was (0). Phoned morgage crew, finallyy spoke to someone who understood what I was talking about, she agreed that it was incorrect, I faxed her over a copy of the report, she rang to say it would be corrected. Then i forgot about it. (I know, I know!)
Anyway, rang yesterday to ask for a further 5k to be added onto mortgage. It got declined. When i asked why, when only 6 months ago we'd had no probs, i was told it must be something recent. Light bulb in my brain clicked on, checked credit report, only to find that last months status is now showing (0) and this months is (1).
Have rung complaints and they are supposed to be calling me back.
What should i do now?
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