Can Mortgage Express Do THIS?

[missjoy]

Hi all Hoping someone can help with this question I have which regards Mortgage Express.

 

Last year i paid off my Mortgage after selling up. I requested the total amount owing & paid it. Then a few weeks later i received a letter saying i owed them £500+ (keeping actual figures hidden) for a cheque i bounced at one stage - whoops!

 

So, i haggled with them at the beginning of the year and got the debt down to just over £200.

 

BUT, i haven't made a payment yet & haven't heard from ME since the new year.

 

I got my credit report the other day & i see on it that Mortgage Express have been giving me a "missed payment" mark on my credit report for around £7 each month.

 

What i want to know is can Mortgage Express set the repayment amount/period without having my permission? They say on my credit report that i am to pay £7 a month for 10+ years! I only owe them over £200!

 

I am going to pay this off, but want assurances that this will be wiped off my credit report as soon as i pay.

 

Hope someone can help! Please!

Edited July 3, 2008 by missjoy

[jake44]

We have the same problem with our mortgage company. On four seperate occasions they have marked the credit file as missed payment. The payment was about 5 days late. I phoned them and they insisted that they can't ( or won't ) change the file. I explained that this was detrimental to our credit file as we are about to remortgage. Do they care ................ NO I am going to have additional comments put on my file to let future lenders see that the payments were made in full and not missed .