Nottingham Building Society

opinions4u

Just answer the question honestly.

droiderm

_Andy_ wrote: »

"Lets assume I declared bankrupt in 2005" - oh for gods sake, stop being so mysterious.

why don't you just state what your situation is instead of being so vague?

Because my situation isn't that important. Mine is coming up 6 years if you must know. The point of this thread was related to a previous thread regarding always being punished for bankruptcy.

It's nice to know there are some reasonable lenders. This thread isn't about being dishonest, it's about understanding the lender

I am not stupid enough to commit fraud.

Thrugelmir

On a previous thread you said that you declared bankrupt
in early 2007. In which case you have 2 years to go to meet the BS requirement.

Signing a declaration to the effect of answering truthfully then not. Would break any trust with the lender. Inherent danager is that you'll be added to the National Hunter database.

droiderm

For the last time I am not going to apply , or if I did have would tick the box
I was kind of hoping a years time might be okay but I guess that's down to interpretation.
I don't understand why there is always an assumption that people are going to lie
if I was going to lie then I am sure the lender I chose wouldn't matter

I am interested in the nuances of different lenders and I am half tempted to collate all the different lending criteria on a small system.

You don't need to quote pervious threads like I said above its coming up six years
you didn't need to look at previous threads.

kingstreet

I think it's fair to say a lender would have regulatory problems if it asked a specific question with a timescale included, then used information outside that as a reason to decline.

In my opinion, if you were bankrupt more than seven years ago, answered "no" to the question you would be fine, even if the solicitor's bankruptcy search revealed you had been bankrupt more than seven years ago.

kingstreet

Spam ahoy...

droiderm

Does anyone know of any other lenders who ask this kind of time restricted question about bankruptcy?
I am not talking about lending criteria, it's the question on the form I am interested in.

Thanks

Dave_Ham

Yes there are other lenders that ask similar time restrictive questions about bankruptcy, not necessarily public domain information though..

droiderm

If the forms can be accessed on the internet then it is public information?

Dave_Ham

I meant the information on the lenders that have these time restricted bankruptcy questions is not something you are likely to find in the public arena.

Obviously a la Nottingham, checking the documents from a lender online is obviously available to the public.