Orange/EE Late Payments at the end of minimum contract ruining mortgage / house move

mattsoutham

I really don't recall stating I think it's Orange's fault.

I am trying to work out how a misunderstanding which we corrected as soon as we found out can have such an adverse affect on our lives.

I appreciate the help/advice though, thankyou ACG.

mrginge

Erm, I think you did....

mattsoutham wrote: »

Orange have totally ruined our credit file on a stupid misunderstanding.

ACG

You have 2 contractual agreements which went 3 months into arrears (according to your credit report in the eyes of the lender). They can only go off your past credit commitments as an idea of what you will be like as a customer going forward.

Some lenders are more lenient than others but Accord i personally find tend to be a bit anal about the smallest of things and im not overly surprised theyre not offering you a new mortgage. It could be worth speaking to an underwriter if you can as a customer? to see if you can get an exception based on the circumstances?