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mortgage discrimination shock!
chattychappy
Posts: 7,302 Forumite
in Credit cards
Help... I am so angry about what has just happened. Let me explain...
I recently decide to stop paying my credit card for a few months. I needed a new car and wanted a tablet for my daughter. I think there is nothing wrong in taking care of one's kids, so paying the CC was hardly a priority.
Anyway, the CC kept phoning me up - sometimes in the evening! I told them it was harassment under the Consumer Harassment Act 1974 (I know my rights, thanks MSE!). Typical greedy bankers only thinking of themselves (LOL).
They took me to court. They couldn't be bothered to tell me about it - they said they sent something through the post, but I never open the post. I now have a CCJ. So what, I thought. They can stuff it - that will teach them a lesson!! (LOL)
I want to get onto the property ladder but was refused a mortage. They said it was because I had a CCJ.
Can they do that? Is it legal? Surely it's none of their business....? Perhaps some expert out there can enlighten me.
(PS my Experian rating is "good to rather good" and I always pay my bills on time when I want to.)
I recently decide to stop paying my credit card for a few months. I needed a new car and wanted a tablet for my daughter. I think there is nothing wrong in taking care of one's kids, so paying the CC was hardly a priority.
Anyway, the CC kept phoning me up - sometimes in the evening! I told them it was harassment under the Consumer Harassment Act 1974 (I know my rights, thanks MSE!). Typical greedy bankers only thinking of themselves (LOL).
They took me to court. They couldn't be bothered to tell me about it - they said they sent something through the post, but I never open the post. I now have a CCJ. So what, I thought. They can stuff it - that will teach them a lesson!! (LOL)
I want to get onto the property ladder but was refused a mortage. They said it was because I had a CCJ.
Can they do that? Is it legal? Surely it's none of their business....? Perhaps some expert out there can enlighten me.
(PS my Experian rating is "good to rather good" and I always pay my bills on time when I want to.)
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Comments
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priceless!If you will the end, you must will the means.0
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But housing is my human right, init!0
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I came on here for help, not sarcastic comments...!0
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Troll Alert !!0
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If your too high and mighty to to open your post, your deserve CCJ's.0
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Can I send you the bill for cleaning my shirt and trousers? The coffee in my mouth flew out when I read this paragraph!chattychappy wrote: »They took me to court. They couldn't be bothered to tell me about it - they said they sent something through the post, but I never open the post.
Why on earth do you think someone would lend you a six figure sum when you take an attitude like this with a much smaller debt?0 -
In the words of John McEnroe - you cannot be serious! :rotfl:0
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penguinpenguin wrote: »If your too high and mighty to to open your post, your deserve CCJ's.
Well and truly gotcha, I think:beer:0 -
chattychappy wrote: »
(PS my Experian rating is "good to rather good" and I always pay my bills on time when I want to.)
why on earth would you just pay them on time if you 'wanted' to?! they are providing you with a service/product, you are likely to be doing serious harm to your credit score by conducting your finances in this manner. It will soon hit poor, you obviously must have late payments etc on your accounts too.
no responsible lender would lend to an individual with an attitude like yours. If you want to treat your children then how about saving for it?0 -
why on earth would you just pay them on time if you 'wanted' to?! they are providing you with a service/product, you are likely to be doing serious harm to your credit score by conducting your finances in this manner. It will soon hit poor, you obviously must have late payments etc on your accounts too.
no responsible lender would lend to an individual with an attitude like yours. If you want to treat your children then how about saving for it?
Hook, line and sinkerIf you will the end, you must will the means.0
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