Satisfied CCJ problem

makeithappen1

Good evening,

We are at our wit's end with this problem and any help would be massively appreciated.

Basically, we've managed to save for a 5% deposit (£8500) on a house and have had an offer accepted (£170,000).

Fast forward to our initial meeting with a mortgage broker, following which we were told that we had failed the credit check. Initially we were dumbfounded as we had no idea why this was.

Having signed up to Experian we discovered that my credit file was perfect (minus not being on the electoral roll) and my partner's wasn't. She has a couple of missed payments on a store card - and worse - a CCJ (£4300) from 2009.

Basically, my partner was involved in a collision prior to this time. For what ever reason her insurance company were required to pay the other party's costs. Unfortunately, my partner's insurance company didn't pay out in time and my partner was issued with a CCJ.

4 years later and this is the first time she's been made aware of it.

Following on from this we managed to contact the other party's insurance company and they kindly helped to get the CCJ amended to satisfied.

Fast forward to today at our second mortgage meeting with Natwest. Thinking everything was rectified we were devastated upon being told that we had failed yet another credit check.

We were told that their was no appeal process as we had applied for a 5% mortgage.

This seems very unfair as - if my partner's insurance company would have paid the costs on time a CCJ would never have been awarded.

It looks as though we will need to wait a couple of years for the CCJ to fall off unless there's something else we can try?

Is it worth trying to muster up a 10% deposit and appealing a credit check failure?

Can we get the CCJ removed altogether somehow?

Any help would be fantastic! Thank you.

gazfocus

I would be contacting the other parties insurance company, find out what date the CCJ was issued, when the amount was paid (as you have a month from date of issue to pay which means if it was paid within a month you can have the CCJ removed completely), and where the court papers were issued to.

ACG

If you can not get the CCJ removed then your not going to get a mortgage with a 5% deposit.

ValHaller

gazfocus wrote: »

I would be contacting the other parties insurance company, find out what date the CCJ was issued, when the amount was paid (as you have a month from date of issue to pay which means if it was paid within a month you can have the CCJ removed completely), and where the court papers were issued to.

I agree. It is also worth considering getting a set-aside of the CCJ on the grounds that papers were not served.