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We want to move but have CCJ
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rainingcats wrote: »It was in 2007 for a nat west loan, we had a baby which meant I lost my income. They would not accept reduced payments as asked and took us to court via a company called shoosmiths. Amount was 10,000 now 5000.
If you got the CCJ after taking out the mortgage, then you may be better off speaking to a whole of market broker than your current lender."Dream World" by The B Sharps....describes a lot of the posts in the Loans and Mortgage sections !!!0 -
You need to check your credit files (Experian, Equifax and Call Credit) as if registered in 2007 it should be off your credit files and unlikely to cause you as big an issue on an automated basis.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.0 -
Thanks Dave Ham- Have just checked on Experian and I scored 976!0
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rainingcats wrote: »Thanks Dave Ham- Have just checked on Experian and I scored 976!
Score is irrelevant.
Does the CCJ still show on there?I am a Mortgage AdviserYou 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.0 -
yes it does0
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When in 2007 was it issued?0
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rainingcats wrote: »Thanks Dave Ham- Have just checked on Experian and I scored 976!
In my earlier post. The question I posed is the direction that potential lenders will come from. Lenders credit scoring is as much determining the type of borrower you are, and your attitude to personal finance. Think of it as a beauty competition. Lenders receive more applications than they can advance mortgages on. That's the reality.0 -
It was july 2008 by the time it was issued0
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Another cracking example of a random number generator somehow ignoring the facts!rainingcats wrote: »Thanks Dave Ham- Have just checked on Experian and I scored 976!0 -
It showed the past issues then scored me at 976 so can`t understand how they arrive at that0
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