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C&G Mortgage accepted, gone to survey, Declined!!
suzy83
Posts: 105 Forumite
Hello guys,
Me and my partener are first time buyer and have been accepted for a mortgage and it went to survey last week. Today i rang for an update and the financial advisor called C&G chasing and they have decided not to lend us the money due to my past.
In 2005 i went through a relationship breakdown and my ex left me in debt. My payment history was bad with late payments and all was resolved by 2006.
C&G advised that they do ramdom checks on cases and lucky us got picked and they looked further than 3 years and picked up on my poor history in 2005 and have declined the mortgage.
I know that they do not have to lend the money but surely if solicitors, survey ect have been instructed they cant turn round and decline to lend. I am so gutted! i have tears in my eyes writing this post!
The financial advisor is going to put the mortgage in my partners name only but we dont know if it will go through as he has a large loan.
This is a bit major blow to both of us. Any advice???
Me and my partener are first time buyer and have been accepted for a mortgage and it went to survey last week. Today i rang for an update and the financial advisor called C&G chasing and they have decided not to lend us the money due to my past.
In 2005 i went through a relationship breakdown and my ex left me in debt. My payment history was bad with late payments and all was resolved by 2006.
C&G advised that they do ramdom checks on cases and lucky us got picked and they looked further than 3 years and picked up on my poor history in 2005 and have declined the mortgage.
I know that they do not have to lend the money but surely if solicitors, survey ect have been instructed they cant turn round and decline to lend. I am so gutted! i have tears in my eyes writing this post!
The financial advisor is going to put the mortgage in my partners name only but we dont know if it will go through as he has a large loan.
This is a bit major blow to both of us. Any advice???
Bank Charges refunded from Halifax £2600
Bank Charges refunded from halifax joint account £554
Credit Card Charges refunded £300 plus interest
I'm proud to be dealing with debt!!! :T
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