Mortgage rejected: Appeal - Halifax

29044047

Conrad wrote: »

The address thing is totaly relevant to credit scoring. Scoring is based on masses of statistical data which matches your life choices with those that are more likely to be repossessed (note the words 'more likely', not 'definite').

As for a temporary address, you fail to recgonise facts are facts. A fact about your life is that you used an address. A sophisticated economy is based on facts and certainties, not on an inaccurate account of events.

In my 20 years in business I've come accross many a character that has your mindset - they bet a lot, they forget to properly manage thier address history, forget to enlist on the voters roll at every register etc. These people are much more likely to experience financial and marital problems which is down to the fact they dont quite get this thing that what you say and what you do has an impact on other people.

Be accurate in your life, keep to appointments, don't say things and then not see them through, a promise is a promise, dont ever knock anyone and you to will avoid a lot of future stress. Save. Put aside Tax. Alkways be organised and dont bet regularly.

Thanks for the advice (although i'm not sure all of it is relevant), it is my first time applying for a mortgage and i will learn from my mistakes...... i've learned alot already!

29044047

Thrugelmir wrote: »

No ones found it yet.

I just gave you a way on my last post :-) The Sunderland vs Wolves game

opinions4u

My arbitrage days are long gone.

Genuinely profitable, but in the end frozen out by all the bookies.

Thrugelmir

29044047 wrote: »

I just gave you a way on my last post :-) The Sunderland vs Wolves game

That's not a system.

Wait long enough every angler will catch a fish.........

29044047

opinions4u wrote: »

My arbitrage days are long gone.

Genuinely profitable, but in the end frozen out by all the bookies.

I know how you feel, the only saving grace is that there are so many bookies world wide.

29044047

Thanks for your responses! I'm happy to report the appeal was accepted and i'm getting my 90% LTV mortgage and at a slightly favourable rate! Happy Days!

I think my long(ish) standing relationship with Halifax helped!!

Shoppadolley

I am so glad you got your mortgage after you dealt so well with all the cr** on here! Sometimes I wonder if some people come on here to put people down and make their lonely lives feel better! They over-shadow the nice ones that come on to offer help!