Credit Report Query

MustStopSpending

I've just logged online and checked my report. I re-mortgaged in 2005 from Northern Rock to Halifax.

The Northern Rock loan was a 'Together' mortgage where they give you a 100% mortgage but 5% of it was a loan to act as deposit. The loan part says settled and balance of £0 but the mortgage part says:

Company name: NORTHERN ROCK
Account type: Mortgage
Started: 30/06/2004
Current Balance: £2,458
Settled On: 31/10/2005
File updated for period to: 13/11/2005

I definatly don't owe them anything so what do I do about this, should I be worried?

MustStopSpending

Can anyone help, or suggest a better forum to post this in?

Snaggles

I'm not sure, but could you give Northern Rock a ring and confirm if they still think you owe them money?

I wouldn't worry just yet though, as they wouldn't have released their charge over your property (and therefore Halifax wouldn't have been able to register a first legal charge) if you still had secured borrowing with them. And if Halifax had problems registering their charge, they would have contacted you by now.

MustStopSpending

They have confirmed I don't owe them money so who knows!

Snaggles

It's odd that there is still a balance showing on your credit file then - sorry, not sure what else to suggest - did you ask Northern Rock why it would still be on there? But at least you know for sure that you don't owe them the money now.

MustStopSpending

Got some useless person who didn't really care about my credit file! Think I'll write them a letter and ask them to remove it.