Royal Mail and on the electoral roll list it differently, which affects my credit rating
I face being unable to secure a mortgage and losing the property I want to buy because of an anomaly with address formats in Edinburgh. The flat I rent appears in two ways: Royal Mail lists it as 5/7, while on the electoral roll it is 5 3F1 (building no 5, third-floor, flat 1). My bank has it as 5 3F1. This has affected my credit report because Equifax has no record of me under the the Royal Mail format. It told me to ask Royal Mail to change its listing, but it insists its format is correct.
LW, Edinburgh
The same issue affects many Scottish residents who live in older tenement buildings, and the consequences, should they apply for any kind of credit, can be serious. Historically, flats in tenements were registered according to the street number of the building, which storey they were on, and how far they were from the top of each staircase. This has been retained for old blocks. When Royal Mail computerised its database, it counted the number of flats in a block and allocated consecutive numbers.
Continue reading...from The Guardian https://ift.tt/3lS0cCV
No comments:
Post a Comment