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Does any central 'mortgage register' exist?
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Government regulated and run mortgages - you're having a laugh. I guess if theres one sure fire way of getting rid of mortgage related fees this would be it - bacause we would be all locked into Darling-approved 25year fixed rates that would be charged at scary-percent because, as we all know, fees are A Bad Thing. CAT standard anyone.....Number 86 - Stole a car from a one legged woman... I'm just trying to be a better person0
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Can I ask "Why is it important to know if there is one central register" for mortgage applications?
What is the motive behind the question - that may help us give a response to "satisfy" any concerns or queries that you may have.I am a Mortgage AdviserYou should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
The big main credit agencies are all widely known and regulated and have a duty to be open and honest about information held on individuals and are answerable to the fsa.
Very few people are aware of the national hunter database, which, incidentally, is used on bank account applications and other financial applications as well as mortgages. Unlike the credit agencies who have strict criteria on what they are allowed to give information on, from what i can gather they can search for what they want, give any information they want, to whoever's prepared to pay them for it.
Because few people know about it they seem to be able to do what they want. I agree with any anti fraud measures as long as they are transparant and regulated. This agency smacks of 'big brother is watching you'.0
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