AIP given by Lloyds (C&G) but application declined - please help?

stanstan20

Hi
Thanks for that - I have now spoken to the mortgage advisor at Lloyds and she says that it is now coming up as a decline and she can't understand why unless the system thinks there are 2 applications going through at the same time? I have faxed our credit reports over to her etc and she is waiting to hear from her boss, so fingers crossed. typically he is in a conference all day!
Not feeling very hopeful.
Do you know of anything else I could try or any other lender that may be worth trying? My score was 931 & husbands was 880 if that helps.

feisty1

stanstan20 wrote: »

Hi Do you know of anything else I could try or any other lender that may be worth trying? My score was 931 & husbands was 880 if that helps.

Have patience, wait & see what Llyods have to say.....remember a house is just bricks & mortar

stanstan20

Hi
Thank you I know what you mean - it's just that it means so much to us to be able to save £300 per month by getting a mortgage and not throwing away our money on rent, credit card bills and loan payments - fresh start and all that.
Nevermind - living in hope

FraudBuster

This may help:

Credit card behavioural data sharing

From December 2008, the credit card industry will enhance the data they currently share, to include ‘behavioural data’ on their customers’ accounts. The data shared is being extended in order to help to identify and assist, at an earlier stage, people who may be starting to experience financial difficulties. It will allow lenders to make more informed credit decisions through having a fuller picture of an individual’s ability to repay their debt and will play a significant part in allowing the industry to deliver on responsible lending commitments contained within the Banking Code, as revised in March.

http://www.apacs.org.uk/payment_options/Creditcardbehaviouraldatasharing.html