Debt management and moving mortgages

Talky12

Hello All
Newbie Here so be gentle with me
Im currently in a DMP with Greg Penn and am looking to change Mortgage Providers (NRAM) is it possible?
how much of a fight will it be?
is there only specific lenders i can use because of my DMP?
All advice greatly received
Stu

kingstreet

It will, as always, depend on the loan to value. If above 75%, I'd say your chances are lower than they would be below.

Are AP markers all there is on your credit files, or are they accompanied by defaults, judgments and mortgage arrears?

Put all three credit files in front of a broker and see where you can go from there;-

Equifax

https://www.econsumer.equifax.co.uk/consumer/uk/order.ehtml?prod_cd=UKSCR

Experian

http://www.experian.co.uk/consumer/statutory-report.html#orderReport

CallCredit

https://www.callcredit.co.uk/stat-report-online/index.php?action=basket_add&tpl=setRegister&package=63&amount=1&mode=clear

Talky12

Hi kingstreet
Thanks for your reply, one question what are AP Markers?

sammyjammy

On a slightly separate note have you considered taking over your DMP yourself or moving its management to one of the non-fee charging charities? It'd be more money towards your debts and they'll be gone quicker!

sammyjammy

Talky12 wrote: »

Hi kingstreet
Thanks for your reply, one question what are AP Markers?

Arrangement to Pay (less than the normal amount due)

Talky12

Ah Okies thanks for that, yeah am beginning to think that would be a better and quicker way to becoming debt free

[Deleted User]

sammyjammy wrote: »

On a slightly separate note have you considered taking over your DMP yourself or moving its management to one of the non-fee charging charities? It'd be more money towards your debts and they'll be gone quicker!

Again, not relevant to your current post, but....

This post shows a list of those who will help you with your DMP (for FREE):

https://forums.moneysavingexpert.com/discussion/4228011