Just been turned down for the decision in principle

droiderm

It's only my assumption that's a good thing for you.
I am not a broker.

Yorkie1

Note the question immediately above the bankruptcy question - you'd presumably have to answer 'yes' to:

Have you applied for a mortgage on this or on any other

property before and the mortgage did not go ahead?

Farside

Yorkie1 wrote: »

Note the question immediately above the bankruptcy question - you'd presumably have to answer 'yes' to:

Well that sucks... :mad:

droiderm

Yorkie1 wrote: »

Note the question immediately above the bankruptcy question - you'd presumably have to answer 'yes' to:

Most application forms ask that .

Yorkie1

They may well do indeed. It may not be a deal-breaker to some lenders, but I didn't want the OP to think that there were no other tricky questions on there, which is slightly where the thread was going once the '7 year' factor had been mentioned.

ValHaller

droiderm wrote: »

Your just speculating.
I suspect there is a credit file issue.

Of course I am speculating. Anyone who read where I said "I feel .... " would know that I am speculating.

You too are 'just speculating'. I can tell that because you write "I suspect ...."

Farside

I feel & suspect that i am ****ed lol

Farside

droiderm wrote: »

Most application forms ask that .

Then my only option is to find a discharged bankrupt friendly bank now. My head is hurting lol

Dave_Ham

You need a broker as there is an issue.

As Droiderm validates, you should have been able to achieve a Nationwide current account at the first crack.

So, you have 3 potential issues.

1 You are still on the insolvency register (not the credit file record) - google it

2 Nationwide or a subsidiary formed part of your bankruptcy creditors, think Nationwide, TMW, UCB etc.

3 You will not like this one. No matter how many times you have looked at all 3 of your credit files, there is an inherent issue on them

All 3of these can easily be understood by a decent broker and assessed.

Good luck

Farside

Dave_Ham wrote: »

You need a broker as there is an issue.

As Droiderm validates, you should have been able to achieve a Nationwide current account at the first crack.

So, you have 3 potential issues.

1 You are still on the insolvency register (not the credit file record) - google it

2 Nationwide or a subsidiary formed part of your bankruptcy creditors, think Nationwide, TMW, UCB etc.

3 You will not like this one. No matter how many times you have looked at all 3 of your credit files, there is an inherent issue on them

All 3of these can easily be understood by a decent broker and assessed.

Good luck

I'm not on the insolvency register i've just checked it.

Nationwide was not one of the creditors but i joined them during bankruptcy so they know i was bankrupt. I think this is the reason why i keep getting declined for all their products. Infact i'm almost certain, What do you think?

There is no issue on the credit files, The only other thing that i can think of is 2 new accounts which were opened with nationwide, They were all initially declined but on appeal they accepted them both. Lenders obviously don't like you to have new accounts, I know they like you to have old accounts that show you have been running them well.

The Nationwide accounts that are new are:

creditcard that started 8 months ago
(The balance is £0 on my CC as i paid it off before i went for the DIP)

and

small loan started almost 12 months ago.
(the loan is half paid now)