We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Electoral roll help

Hi everybody,

this may come across as a stupid question but I can never seem to get clarification!

Basically I lived at 'home' for 3 years with my parents before moving out renting with some friends, I made a change to my electoral roll letting them know about my new 'rented' address.

After a couple years I moved out and moved BACK to 'home' with my parents where I have been for the last 18 months on the electoral roll.

So my question is, when filling in forms for credit/mortgages etc. do I say I have been at my current address -18 months- or -3 years and 18 months- ?? I obviously want to get this correct because the wrong answer will go against me when applying for some sort of credit.

Thanks for reading, hope you can help! :)

Comments

  • iancrt
    iancrt Posts: 133 Forumite
    When they ask the question, they are asking about continuity.

    So the correct answer is 18 months. They will then ask for your previous address, and some will want previous to that (depending on how much history they want) which puts you back at your parents.
    CHALLENGES MAR'14:
    CHALLENGES 2014: £1-a-day#43 £84/£365; £3350k BY MAY
    £2700/£3350; £1500 BY JULY £0/£1000
    EMERGENCY FUND £0/£2500; 2014 MFW #61 £0/£2500; CC £290/£2270
    2014 SUMMARY (POAYD 2014 #120 £3074/£12485 24.6%
    101 MONTHS... MORT: [STRIKE]£63,000[/STRIKE]
    £66850 | LOANS: [STRIKE]£26,000[/STRIKE] £0 | CARDS: [STRIKE]£33,000[/STRIKE] £1980

  • would you say you usually have to be BANG on when answering? will it go against someone if they put a month too early or too late? That seen as telling porkies?
  • iancrt
    iancrt Posts: 133 Forumite
    no if you are a month wrong its wont matter.

    They want to search on your name and DOB and address within given time periods. CRA records arnt that accurate
    CHALLENGES MAR'14:
    CHALLENGES 2014: £1-a-day#43 £84/£365; £3350k BY MAY
    £2700/£3350; £1500 BY JULY £0/£1000
    EMERGENCY FUND £0/£2500; 2014 MFW #61 £0/£2500; CC £290/£2270
    2014 SUMMARY (POAYD 2014 #120 £3074/£12485 24.6%
    101 MONTHS... MORT: [STRIKE]£63,000[/STRIKE]
    £66850 | LOANS: [STRIKE]£26,000[/STRIKE] £0 | CARDS: [STRIKE]£33,000[/STRIKE] £1980

This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.7K Banking & Borrowing
  • 254.2K Reduce Debt & Boost Income
  • 455.1K Spending & Discounts
  • 246.8K Work, Benefits & Business
  • 603.3K Mortgages, Homes & Bills
  • 178.2K Life & Family
  • 260.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.