disagree with credit rating

jacey45

Can anyone help when my husband died 3yrs ago the mortage was not paid off because we were missold a mortgage protection policy but that is another story. Because of this I had to sell my house and at the moment i am living with my son. I have now found a house to buy and my broker got me a really good deal with Abbey. I thought this would be straight forward because we had been Abbey customers for years never missing or having a late payment. I was shocked when I was declined and the reason given was that I had a large amount outstanding from an improvemnt loan and I had also missed four payments on this loan. I made contact with Black horse and was told the records were correct. I told them that the amount had been repaid in full in March and when I asked about the missed payments i was told that the first missing payment was on June 10th. I pointed out that this was 4days after my husband had died and that this was because his account had been closed. Everything had been brought up to date as soon as probate was granted. I never recieved any letters about missing payments. I was told that the person who deals with the credit agency "did not speak to members of the public" and as far as they were concerned the situation is correct.
I am so upset that it now seems that I will not get a mortgage offer from a high street lender and will be penalised with higher rates and higher deposit.
My broker is trying Gmec. Has anyone got any advice about what I should do now. I was going to see a solicitor.

dunstonh

There is no such thing as a credit rating. Each lender will view you based on the data they have available. Some may consider you a high risk whilst others do not. All you can do is make the position better or worse through your actions.

I am so upset that it now seems that I will not get a mortgage offer from a high street lender and will be penalised with higher rates and higher deposit.
My broker is trying Gmec. Has anyone got any advice about what I should do now. I was going to see a solicitor.

The broker is probably in the best position to answer this as they have all your information. Going to a solicitor will just waste money. If you believe that something has not been done correctly then complain to those involved. That wont cost you anything.