Question about Credit and electoral roll

germaki

I move back home to my Mothers November 2009 and asked her to put me on the electoral roll. My Partner at the same time moved in with his mum so we could save our depsoit. We are coming to a position now where we are able to buy a house the next year. I found out a few days ago that my Mother didn't add me to the electoral roll forms the council sent out. I've filled in a form and have sent it back to be added.

What implications will this have when we come to apply for a mortgage?
I assume I'm still registered at my last address unless they have had new tenants who have updated the electoral form that is sent. I'm worried that when we apply for a mortgage and I say i've been living at my Mothers for X amount of time when they do credit checks it will only show from when I'm added.

Thanks in advance.

germaki

**bump**

Anyone able to help?

germaki

Can anyone help with my question?

Torry_Quine

Why didn't you notice last May when you didn't get a voting card for the General Election - I presume you didn't vote?

germaki

I was actually working away during April through to end of May so I wouldn't have seen whether my voting card came or not.

Jojo1daffy

Presumably you moved all your credit to your Mum's in 2009?? That will prove your time at your Mum's address and will also mean that it will show as a linked address, but without ER info it will unfortunately impact on your credit score.

kingstreet

Your Mum may have been reluctant to give up her 25% single person's council tax discount, assuming she's on her own?

Jojo1daffy

That doesn't make sense? Surely paying 50% of the council tax is better than paying 75%!

kingstreet

Jojo1daffy wrote: »

That doesn't make sense? Surely paying 50% of the council tax is better than paying 75%!

If the mother lived on her own, she would be receiving the single person's discount of 25%. When the child moved in, she should notify the council she was no longer eligible for that discount, returning the council tax payment to 100%.

EG - £1,400 council tax with SPD = £1,050.

That's £350 more she would have to pay if she declared the discount no longer applied.

kingstreet

Jojo1daffy wrote: »

That doesn't make sense? Surely paying 50% of the council tax is better than paying 75%!

Ah. I've just re-read this and see where you're coming from. You're assuming the parent would expect the child to pay half rather than both of them try to stiff the council.

I understand now.

Jojo1daffy

Aye she's a grown-up girl, why should her Mum cover her council tax? My Mum wouldn't!