Now i maybe barking up the wrong tree, but it seems too coincidental. The Girlfriend and I have applied for a motgage together, and due to a problem with the first application we had to run our own Credit Check with Experian. Now since doing this it has caused a few problems. She got paid on Monday and went to pay for something on her card which was declined, so she phoned the bank, who told her, her card and account has been blocked by the bank as it seems someone in Canada has tried to withdrew a large some of money from her account, possibly cloned her card or bank details, it has to be something to do with Experian as she has never given her card details on line before, they would of been out of luck as ther was fook all in there, picked the wrong account there.

 

So today i phoned to cancel my account with Experian, and i got a suprise, they told me before i cancel i should check my account as there has been something added since i opened it, I find Sothern Percific Mortgage company has done a Credit check on me, I have no idea who the hell this morgage company is, i certainly never asked them or gone through them for a Mortgage, never heard of them. I think someone has got hold of my details and applied for a Mortgage in my name. All this has happened since giving our details to Experian for a credit check, strange.

 

Sorry for such a long winded post lol

it is possible that the company whos done the credit check are the actual money lenders, you may be ealing with the broker. the company mentioned is a legit one. heres their website.

 

http://www.spml.co.uk/

 

must admit. mortgages can be a very long drawn out process. can really get you down. you sometimes get stumbling blocks from start to finish.

it is possible that the company whos done the credit check are the actual money lenders, you may be ealing with the broker. the company mentioned is a legit one. heres their website.

 

http://www.spml.co.uk/

 

must admit. mortgages can be a very long drawn out process. can really get you down. you sometimes get stumbling blocks from start to finish.

 

I did look the company up and feel they are lagit. It seems strange as she hasnt got that company on her credit report, and we have a mortgage sorted with Northern Rock, who she has her present motgage with. Would that explain why it isnt on her report if Northern Rock use them to lend the money?

 

Many thanks for your reply

yes. you very often find that its not the actual mortgage you deal with that lends the money, or its a subsidery of that company. it can get mind boggling at times.

Right, that puts my mind at rest a little, i thought Northern Rock where the lenders, it seems they may just be the broker then?