My Mortgage Lender Has Damaged My Credit Rating – HELP!Make Text Bigger
Please advise me on how best to fight with this issue.
I was recently refused a mortgage by a lender. They told me to check the credit agency Callcredit. I did and found it showed that I had late payments on my mortgage with the Woolwich.
The reality is that I always pay my mortgage on time, I have the mortgage statements from the Woolwich as proof and also my current account statements from my bank. So how can they claim I have late payments and report me to Callcredit without even telling me this supposed late payments?
By the way I pay this particular mortgage by standing order and not direct debit. The reason being I completed on the purchase on the 9/5/2012 and then the Woolwich wrote me a confirmation letter, telling me how much I will be paying and that the direct debit will be collected on 3rd of each month starting 3/6/2012.
I thought I should pay the mortgage on the 9th of each month and so the following month I phoned the Woolwich and asked them if I could pay the mortgage on the 9th rather than the 3rd. A Woolwich customer service member of staff recommended to me the best option would be to cancel the direct debit and set up an standing order instead so that’s what I did.
Strangely my mortgage payments still go out on the 3rd of each month as shown on both my current account statement and mortgage statement from the Woolwich.
I wish to thank every one who can give me any advice.
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