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Mivey216
Mivey216 Posts: 1 Newbie
in Credit file & ratings
Hi, looking to get my first mortgage, so completed a £2 credit check and found that there is a default from Feb 2016.
I haven't received any letters informing me of this at all.
Are they allowed to do this?

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Contact them to see what they sent and when.
  • robber2
    robber2 Posts: 559 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Mivey216 wrote: »
    Hi, looking to get my first mortgage, so completed a £2 credit check and found that there is a default from Feb 2016.
    I haven't received any letters informing me of this at all.
    Are they allowed to do this?

    Yes they are, letter would have been sent. They are under no obligation to track you down if you have changed address. The onus is on you to keep your creditors informed.

    Rob
  • MrsTinks
    MrsTinks Posts: 15,238 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Name Dropper
    Depends... Did you default on a debt? If you did then so long as they sent the letter then yes. If you haven't defaulted on a debt and it's an error then it can be removed. You'll need to clarify what happened before anyone can really answer if it should be there or not and if not how to get it removed.
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
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