The Council of Mortgage Lenders CML Repossession Register

The Repossession Register is based upon information provided by credit reference agencies, the main ones being Experian and Equifax.

The register is used to monitor fraudulent activity but also holds data on property repossessions. This can be accessed by lenders when credit checking you for future mortgage applications.

Following repossession, your lender will provide details to the credit agencies to include within the CML register records. This information is stored for credit references for a period of 6 years from the date of possession.

• Name of the lender.
• Account number.
• Name of the borrower(s).
• Date of possession.
• Whether the possession was surrendered (voluntarily), or following a court order.
• Whether or not any outstanding debt on the mortgage has been paid.
• Address of the property repossessed.
• The previous and current addresses of the borrower

Checking the Register

You can submit an application for your credit file to the two main credit agencies below. There is a statutory fee of £2 to pay. The reports are usually dispatched within 2 weeks. You can have an instant report by applying online – reports typically cost £10-15 for online applications.

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