Can i get a mortgage

xclarebearx

I had loans and a credit card and ive not paid them since 2005. I want them of my credit file. How can i get rid of them so i can get a mortgage.

I managed to get a mortgage in 2007 through first national but ive also got into arears with that.

Got a boyfriend now and we want to sell my house and buy one together.

Who can we go with? He has a a1 credit rating, its just mine thats messed up. Think i have 3 defaults at least but im not sure as i moved address and never told them.

Thanks.

Cannon_Fodder

Not if you are planning to go bankrupt.

_Andy_

Not enough info to go on but not looking good considering the adverse.
Property value?
Deposit?
Value of defaults and dates?
are they satisfied?
When were the missed mortgage payments?

Cannon_Fodder

http://forums.moneysavingexpert.com/showthread.html?t=2276975&highlight=

getmore4less

Does the BF know about this(in detail).

VIGILANT22

You haven't a hope in hell's chance going by the info on your other post
Ok, im a bad credit risk. I dont know what to do about it. Heres as much as i can tell you.

Quote: 2001 - hsbc loan, 10k, - refinanced 2006 - 9k outstanding - never paid since 2006.

2004 - capital one card, £1400 balance, never paid back.

2006 - tesco loan - 6k - not paid since 2006.


2007 - first national mortgage - 47k over 25 years, shared ownership 50%. (had payment problem due to losing job 3 times in a year, owe them £1200 in arrears now - threatening repossession.

http://forums.moneysavingexpert.com/showthread.html?p=29927287&highlight=#post29927287

_Andy_

Yep not going to happen

beecher2

Is this for real? It is scary if someone who's never even attempted to pay back their debt, and who is in arrears with an existing mortage seriously thinks that someone will lend them more money! Surely a troll?

_Andy_

Possibly - the OP didn't bother replying to the other thread.

JA1000

Forget it, No Chance, Absolutely Zilch, No Way,

And that's just the boyfriend when he finds out

No point putting pen to paper for an application.

smcqis

This has to be a !!!! take? I wouldnt even lend you a tenner, no offence