Getting a mortgage with a default

gazfocus

Thrugelmir wrote: »

For the simple reason they don't keep you on the system. Your debt has been written off in their accounting records.

Just because you need their assistance now doesn't mean they have to be co-operative after you've been AWOL for 5 and half years. You avoided them and their recovery agents.

Yeah....thanks!

Thrugelmir

gazfocus wrote: »

Yeah....thanks!

I find it better to tell it as it is.

gazfocus

Thrugelmir wrote: »

I find it better to tell it as it is.

You don't know anything about my circumstances so making the assumption that I've avoided them for 5.5 years is actually way off the mark.

Thrugelmir

gazfocus wrote: »

You don't know anything about my circumstances so making the assumption that I've avoided them for 5.5 years is actually way off the mark.

Your circumstances don't matter one hoot. The default does, and that's what counts. A business is not a charity.

HARSA

ACG wrote: »

Even after it falls off so to speak it still has some effect on your credit file.

You might struggle, i wouldnt say Leeds is the only lender to try but im not sure the others would have a different outcome.

That's Once it drop off after 6 years that is it.

HARSA

gazfocus wrote: »

Yeah....thanks!

gazfocus wrote: »

You don't know anything about my circumstances so making the assumption that I've avoided them for 5.5 years is actually way off the mark.

Ignore Thrugelmir he is full of !!!!!! comments that is always wrong. Must of the stuff he writes are mostly lies

just wait until the default drops off your file and good luck

HARSA

Thrugelmir wrote: »

Your circumstances don't matter one hoot. The default does, and that's what counts. A business is not a charity.

You are truly a heartless b1tch Thrugelmir. People come here for a bit advice and some TLC. You have to learn to give advice and not basically tearing people apart.

Wutang_2

HARSA wrote: »

You are truly a heartless b1tch Thrugelmir. People come here for a bit advice and some TLC. You have to learn to give advice and not basically tearing people apart.

What a moronic and irrelevant point. Read that back to yourself and apologize to everyone now. Then, ask somebody to hit you round the head with a shovel. Idiot.

TLC will never change historic events. You must know this surely? You must be either old enough or have just the basic knowledge of this somewhere in your small brain?

This debt was not paid. Fact.
5 years on the poster now wants to address this. Fact.
A bit of advice and some TLC will not help in the slightest...and you are an embarrasment. jesus.

opinions4u

HARSA wrote: »

Ignore Thrugelmir he is full of !!!!!! comments that is always wrong. Must of the stuff he writes are mostly lies

Except 99% of the stuff he/she posts is accurate.

Do you have a problem with accuracy?

Why have you just lied about the reliability of another poster's information? That means, surely, that any information you provide is unreliable.

just wait until the default drops off your file and good luck

Although this bit I agree with. If I've understood correctly the default goes away by itself in 6 months. Assuming there are no other nasties on the credit file all will be fine and dandy.

People come here for a bit advice and some TLC. You have to learn to give advice and not basically tearing people apart.

There has been no tearing apart.

The OP didn't pay a bill he'd agreed to pay. The credit file states a fact. There's no getting away from that. For whatever reason, nearly six years on, the OP is now trying to deal with it. Fact. While it sounds like Orange are a bunch of disorganised morons for the way they have failed to maintain records, and this is where the current problem lies, there is a gap of five and a half years where the OP has managed to avoid paying the bill. Fact.

samtoby

I had this problem and I advise checking all your credit reports, I found out who had my debt through a part in my credit report where someone had run a search on me and my address and thats how I found out who it was.