Incorrect Default date - Motormile Finance

tarahart87

Hello,

I am looking for some advice. I applied for a mortgage in December after receiving a Decision in Principle earlier this year. I was disappointed for the application to be declined based on my credit file. I got a copy and noticed that a default from 2012 with Motormile had been moved to 2016, which is likely to be why the mortgage was declined as other than that my credit file is clear.

I contacted Motormile who admitted to their administration error and said they would update my file in 4 weeks. After 4 weeks it wasn't updated so I chased again and they confirmed it would be done within 2 weeks. After 6 weeks it was finally updated.2 days later I was about to submit my mortgage application again, went on to quickly check my credit report again and noticed the default has been updated again with a 2016 date!

While all of this has been going on the seller has been getting quite upset (rightly so) and at this stage it looks like the house purchase will fall through because I can't secure the mortgage. I know if this default is updated I will get the mortgage though.

So does anyone have any advice on getting Motormile to fix this again and update the CRA's immediately, is it even possible? I have reported it to the ICO but I don't have time to wait on them investigating. Previously I raised notices of correction with the CRA's but they all came back to say they were not updating their records, even though I have correspondence from Motormile saying the date on my credit file is incorrect.

Thanks in advance for any advice you can give!

ashp_2

I have had a similar thing. Not with a debt but a previous loan with my bank. Also not a default just didn't list the account as settled and showed a high balance 3 months after it was settled.
After 4 phone calls of getting no where by the fifth I was getting highly annoyed and asking to speak to managers. They said they would call the next day. They didnt call but my credit file was updated correctly that day. It can be done!