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Another possible reason why I got declined for a mortgage

kinh
kinh Posts: 92 Forumite
in Mortgages & endowments
I just checked and halifax are part of LLyods banking group.

When it comes to Llyods i believe I have a CPD (at what level I don't know) on my account which means for some products like loans and mortgages it's a flat out decline.

I managed to get a llyods credit card but every time I do a quotation it comes back as 29.9% which usually means decline.

Does there system link in someway? Don't have an account with halifax.
«1

Comments

  • kingstreet
    kingstreet Posts: 39,353 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    What is a "CPD?"
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • kinh
    kinh Posts: 92 Forumite
    kingstreet wrote: »
    What is a "CPD?"

    Credit policy decline there two levels of CPD one where you won't get approved for anything
  • kingstreet
    kingstreet Posts: 39,353 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    if that is the case, the default was a red-herring and you aren't going to be accepted by an LBG member?
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • GMS
    GMS Posts: 5,388 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    OP if you provide correct information in the first place you would get an accurate answer. As it is you post many threads with differing information. It's like trying to do a jigsaw.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Who was this debt with ?
    I checked my credit report to see that Gothia have registered a £179 default on my credit file a few days ago that shows as satisfied? I didn't pay anything because I didn't know about the debt.
  • kinh
    kinh Posts: 92 Forumite
    kingstreet wrote: »
    if that is the case, the default was a red-herring and you aren't going to be accepted by an LBG member?

    I have no idea I don't know if there systems are exact but ill try and get as much info as poss.
    Thrugelmir wrote: »
    Who was this debt with ?
    Mail order account with h&m but wiped off experian wasn't on equifax. However shows up on noodle not sure on callcredit.

    Don't think it will be a problem as they only search experian and equifax
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    I think you should make another thread about your mortgage issues as there isn't enough at the moment.
  • kinh
    kinh Posts: 92 Forumite
    _Andy_ wrote: »
    I think you should make another thread about your mortgage issues as there isn't enough at the moment.

    I'm sure it's way passed your bedtime? Haven't u got school in the morning. You're another muppet on my ignore list. Goodbye
  • ILW
    ILW Posts: 18,333 Forumite
    kinh wrote: »
    I'm sure it's way passed your bedtime? Haven't u got school in the morning. You're another muppet on my ignore list. Goodbye
    Can I go on your ignore list as well please?
  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    Had a lot go on considering you have only been eligible for credit for 23 months.

    Please add me to ignore list also
    I am a Mortgage Broker
    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.
    This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
This discussion has been closed.
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