Credit report needed to prove my mortgage is paid-off
in Credit file & ratings
12 replies 285 views
So, last week I discovered that my mortgage payment protection plan with L&G was still active, despite my mortgage having been paid-off in 2017. For whatever reason, the small monthly premiums were missed, until I spotted the policy renewal document from last year in a pile old documents I was sorting.
I gave them a call, got the policy cancelled, and was told I would be refunded the premiums going back to when the mortgage was completed and paid-off. The two stipulations made were that I provided a copy of the mortgage redemption letter from the lender, and my full credit report.
The former wasn't a problem, bu the latter is giving me big problems. Firstly, I haven't used credit facilities for a very long while (over fifteen years), so when I asked Experian, Equifax and TransUnion, not only have I struggled to open accounts to start the report process, when I did get a report from Experian it had no references to my mortgage whatsoever. Equifax just locked me out, presumably because I have such a thin file, as did TransUnion - who I am now supplying a written application to.
Have I done something wrong, or is this standard for someone in my situation? I've had a couple of email exchanges with different people at L&G now, and at one time it seemed that they were asking me to provide something they themselves are well able to check themselves. They have all my details; I have had house insurance with them on the property in question for nearly thirty years (my period of occupancy), and then there's the payment protection plan which sparked this (apparent) wild goose chase.
Any help would be appreciated, cheers.
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Maybe you need to ask them for clarity on what they are expecting to see as you may not have an issue at all.
If they genuinely didn't want to help, they'd have simply told you no refunds.
It's absolutely asinine for them to ask for your credit file, you're absolutely right, but if cowtowing to their box ticking exercise yields you five years worth of refunds, hey it's worth doing.
You couldn’t make it up as a Whitehall farce.