Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

Council Of Mortgage Lenders

What is The Council of Mortgage Lenders (CML)?

The Council of Mortgage Lenders (CML) was a trade organisation of home finance providers which originated from the Association of Mortgage Lenders , a body set up in the 1980s that met regularly to swap details of serious mortgage frauds.

In July 2017 the CML merged with the British Bankers Association, UK Cards Association, the Asset Based Finance Association and Payments UK to form UK Finance, based in London.

The stated aim was to promote a favourable operating environment in the UK housing and mortgage markets, a goal which is still carried out in its new guise as UK Finance.

The CML was generally regarded as the voice for the residential mortgage lending industry. It was relied on heavily as a central source of statistics about the mortgage industry.

In 1991, to plug a gap in credit reports that existed at the time, the CML set up a Repossessions Register – a database which shared details of mortgage repossessions in an attempt to stop persistent re-offenders and to enable more informed and more responsible lending.

The improvement of the way repossessions are reported on credit reports within shared databases such as CAIS, Insight and Share resulted in the duplication of reporting of repossessions, which was cited as the reason for the abandonment of the Repossessions Register and ultimately lead to the destruction of the database on 30 June 2010.

Q: Can I still get a copy of the Council of Mortgage Lenders Handbook?

A: Yes, for the time being, all CML information is still accessible through their website.

Jargon Buster

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