Response to Credit reference agencies and the CML. etc etc etc

I was also amazed to find that none of the credit ref agencies appeared to hold anything on me even when SARNed, but was warned by this site to still expect the 5 years 11 and a half months letter from my ex-lender - and indeed it arrived. This suggests to me that the only way to be truly rid of the parasites is to actually SARN the lender, and argue it out. In your case, it may of course be worth just waiting till the six years is up, and if you've heard nothing you're in the clear - but I get the impression this doesn't happen very often. As regards getting a new mortgage, presumably if you tell the new lender about the repo they can choose whether they check up the details or not. Good luck.

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