when will the misery end? (or why bother discharging people?)

alastairq

time is against you?

Loads of time left!...darn sight more than I've got!

joel10873

alastairq wrote: »

time is against you?

Loads of time left!...darn sight more than I've got!

certainly doesnt feel like it

dojoman

Have a look at this thread, it maybe of some help?

https://forums.moneysavingexpert.com/discussion/2918012

joel10873

would like to say thanks to everyone, your replies have made me feel less desolate although i still really do see no light at the end of the tunnel as we have now had a mortgage refused so yet another thing counting agaisnt us

im obviously just destined to never get anywhere in life

bummer

ANY_CHANCE

Dont give up, life does have an amazing way of throwing the brown stuff at you from a great height...

joel10873

well guys wanted to update his one for you al

have managed to get some mre information. apparently the information the mortgage was declined on was a default at an address we lived at 6 years ago (where we went bankrupt)

problem is so far i cant find it on any credit reports i am looking at so cant see why its still on there! the bankruptcy has gone as has any other reference to accounts prior to that

have requested a paper copy of my equifax report as online you can only have two previous addresses...really not helpful!!!!

have also requested my call credit report via the post too as it seems you can only put two previous addresses online with tha too

HOWEVER they still wont tell me which agency they have found the information with and are now saying they check cifas along with the credit reference agencies, now the reports i can view online have no cifas information on and i cant see how i can contact them directly so i realy dont know where to go from here!!!!!

joel10873

and am also worried they are going to throw me in jail for not disclosing bankruptcy but i really didnt htink i had to...ok i know ignorance is no excuse but now im making myself sick with worry

alastairq

joel10873 wrote: »

and am also worried they are going to throw me in jail for not disclosing bankruptcy but i really didnt htink i had to...ok i know ignorance is no excuse but now im making myself sick with worry

Now why would they do that? Especially if they didn't ask you in the first place?



As has been said elsewhere, only disclose the BR if you are asked....and they have a justifiable reason for asking. Curiosity alone doesn't count.

Try other mortgagors?

joel10873

someone on another forum has said if i dont disclose it and they find it we will end up on fraud lists and all sorts am really panicking now i didnt know, oh well too late now!

debtinfo

You only have to declare it if they specifically ask, there is no statutory duty to, just that you have to if they decide to ask you, it is up to them to decide what to ask you