morgage help please!!

wendybendy25

hello all i am very very new to this so please bear with me...my partner has a

morgage at the moment with lloyds tsb (total losers) he pays 340.00 per

month and has never defaulted as far as i know...had morgage for 6/7 yrs

but in the last 1/2 yrs has been turned down for credit for what we can only

think is sum defaults on other things i.e argos card account...my question is

he tried to take sum money out the house to help pay for our wedding but it

didnt go thru...any advice on what he can do to release sum money out of

the house or anything else he can do??

sum extra info..he re-signes a new deal with lloyds tsb (new deal new rate)

in febuary which took which took untill now to sort so was sum problems with

paperwork keep going missing so left him paying new deals rate when tthey

had old deal on comp so looked like we were in arrears which we now

understand has been cleared but not 100% sure on that.

house value 75,000

morgage left to pay 43,000

not sure what else you need?

paid 400 p.w i am a sham. any advice as we also seem to be paying a hell of

alot of intrest on this morgage. thanks.

MortgageMamma

Ok lots of information there but not enough detail

You need to raise some money on your mortgage to pay for wedding? when is wedding?

Yuo approached some other lenders but were turned down and you dont know why - it could be lending criteria, i.e. your credit status or your earnings or the type of property you live in. I would suggest you get a copy of your credit reports.

You have approached lloyds tsb for a new deal which they have given you (did you not get the extra cash whilst you were at it?) and that has now gone through (are you tied into the deal/early repayment charges?)

And you seem to have been in arrears with stuff - can you be more specific, dates, amounts, and whether they are now cleared or not?

wendybendy25

sorry no debts not cleared..and we tied in with the morgage for 2 yrs we didnt think would need the money then but we do the wedding is in october 07...we have tried to get a few loans but were turned down.. when we did ask lloyds tsb they said no with no real resaon why
dates of missed payments are approx
an un paid overdraft-2,300 early last yr
argos account 4/5 yrs ago 2,000
few other things bu about 3yrs ago and small amounts
is that all you asked i have really bad credit so can not fall back on me.