Please help - My credit file has a mark by it, but the bank has not contacted me!

SadTimes_2

I made the payments direct to the loan account (as we always did) When we split up I told him that I would pay my half direct to the loan account and he would too. We used to get statements of the joint loan account with both our names on and to our home address. This would show the amount of the loan and payments against it and the loan amount being reduced against the payments etc. He must now get statements etc to his address as no one has replied to my letters requesting statements etc. It must of been up to date on payments as only in arrears by two payments. But again, no one has sent me a letter or called me or anything - I wouldn't of known anything if it wasn't for my credit check.

SadTimes_2

Can the bank actually put a mark against my name only ? if maybe he is paying his half?

It was an agreement between us to split the payment and pay each of our half to the account.

KingElvis

SadTimes wrote: »

I wouldn't of known anything if it wasn't for my credit check.

Hence the GAIN (gone away) record on your credit history. They are placed when the lender can no longer contact the person who's supposed to be paying. They are NOT a great thing to have on your record. They are used to warn other lenders that people have moved and left their debts behind.

It sounds like you probably have defaults on your history if neither you or your ex have been paying, maybe even a CCJ has been granted? did your FA tell you what these "marks" were?

If they are defaults or CCJs it means combined with the GAIN entry you'll have very difficult time getting a mortgage.

Good luck.

SadTimes_2

It says 'Derogatory Status' 'Caution Flag'... I am waiting to hear from bank and obtain my credit report.