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Credit reference agencies and the CML. etc etc etc

from Steve Clarke (seclarke@ntlworld.com)
I was reposessed in 1992, all my latest credit files received from Experian, Equifax and a comprehensive report from checkmyfile.com has no record of my repossession(They did in 1992). I know that after six years they are removed, but I read in an earlier posting that I could be on a register held by CML for up to 12 years. I went on CML's website today and they state that the register is operated by both Experian and Equifax and instruct you to pay your £2 and get a copy of your file to find out if you are on it. So I am confused as if no details are on my latest reports, how can I be on a register held by CML if the credit agencies operate it. I also served a SARN on Wescot and they replied that "they can find no reference to myself or addresses suplied but normally to access information a Wescot account number should be quoted in order for the details to be found", does anyone know what thats all about? I guess you know were I'm going with this, if Experian, Equifax,CML, Wescot and Checkmyfile.com no longer have a record of my repossession; and I apply for a new mortgage, how will the intended lender find out if I don't tell them. Lastly, I DO INTEND to tell them, but ask if they are under any obligation to inform the Alliance & Leicester( my first mortgage Lender) that I am applying for another mortgage. For your information I have not received any correspondence from A&A scince my solicitor ask them to justify there claim back in January 1996, and do not wish to remind them that I am still on there wanted list.
(posted 8254 days ago)

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