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.

What is...


Repossession refers to a lender taking the item which was offered as security on a secured loan in the event of payments entering default. This often refers to a mortgage lender repossessing a property, so it can be sold to recover the owed amount, although there are many alternative forms of security.

Will a Repossession appear on my Credit Report?

Repossessions, like defaults and CCJs are reported on your Credit Report for six years from the date of first reported. Once this period is over, it will automatically be removed from your Credit Report, but when applying for credit a lender may ask if you have ever been declared bankrupt or had property repossessed. If this is the case, you are legally obliged to answer truthfully, or risk the lender being able to exit the agreement at any time.

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What happens if your rented property is repossessed?

If you have a binding tenancy then the mortgage lender assumes possession of the house and becomes your landlord. If the tenancy isn’t binding then there is a risk of becoming evicted from the property.

If a lender seeks possession of a house, there is a strict protocol set out from guidelines by UK Finance (formerly the Council of Mortgage Lenders/CML), whereby the mortgage provider follows certain steps to try and resolve the issue satisfactorily. If these steps fail, the lender may apply to the court for a possession order. If this is granted, the lender will repossess the property.

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