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difficult mortgage provider and ccj
emma*1976
Posts: 15 Forumite
im trying to find a mortgage with a fixed rate as my current one has just gone onto a variable and its killing us! its nearly 6%
the chealsea seem to be looking for any excus not to offer us another deal, one reason was one late payment in june 2009 when i cahanged banks and my new bank messed up loads od my direct debits, i paid immediatly and ive never missed a mortgage payment in 12 years! another reason they give is that my house needs to be worth £2000 more than what is is. Ive got 27 years left on my mortgage and they havnt been out to value it so i think its rather petty.
my biggest problem now is that it appears I have a ccj against me for £370 which is stopping me going to another provider. i never received the papers and was unaware of it at the time. after looking at experian i paid the registary trust £16 to find out what is about but the report i got back was that nothings been recorded against me. Although I do now know the was the ccj was about. is there anything i can do to remove it, considering the report from the registary trust?
if i try and apply for a new morgage deal with the chelsea will they do a new credit search, of just look at my track record with them? after the late payment back in june they did tell me to try again in 12 months but if they do a general credit check ive got no chance because of the ccj
the chealsea seem to be looking for any excus not to offer us another deal, one reason was one late payment in june 2009 when i cahanged banks and my new bank messed up loads od my direct debits, i paid immediatly and ive never missed a mortgage payment in 12 years! another reason they give is that my house needs to be worth £2000 more than what is is. Ive got 27 years left on my mortgage and they havnt been out to value it so i think its rather petty.
my biggest problem now is that it appears I have a ccj against me for £370 which is stopping me going to another provider. i never received the papers and was unaware of it at the time. after looking at experian i paid the registary trust £16 to find out what is about but the report i got back was that nothings been recorded against me. Although I do now know the was the ccj was about. is there anything i can do to remove it, considering the report from the registary trust?
if i try and apply for a new morgage deal with the chelsea will they do a new credit search, of just look at my track record with them? after the late payment back in june they did tell me to try again in 12 months but if they do a general credit check ive got no chance because of the ccj
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2 things: get copies of equifax, experian and callcredit (I HATE callcredit) and check them over and also, did you see my 101 ways to get your website optimised??Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
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