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Refused Mortgage because of unknown debt
buttonmoon2014
Posts: 2 Newbie
Help Please!
I have been refused a mortgage because of missed payments on my credit report. This has turned out to be for a Vodafone contract I knew nothing about. I tried to fight this with Vodafone but got nowhere, so I took my case to an ombudsman and they have agreed with Vodafone and the bad marks will stay on my credit file for 6 years!!!
I am completely stuck now and am considering if to take it to a small claims court? But that could take all my savings??
Any advice would be much appreciated.
I have been refused a mortgage because of missed payments on my credit report. This has turned out to be for a Vodafone contract I knew nothing about. I tried to fight this with Vodafone but got nowhere, so I took my case to an ombudsman and they have agreed with Vodafone and the bad marks will stay on my credit file for 6 years!!!
I am completely stuck now and am considering if to take it to a small claims court? But that could take all my savings??
Any advice would be much appreciated.
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Comments
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buttonmoon2014 wrote: »This has turned out to be for a Vodafone contract I knew nothing about.
You deny entering into a contract with Vodafone.0 -
They say it was taken out online and I was sent confirmation, but I had moved out of the address a year ago and was only aware of these missed payments when I applied for a mortgage.0
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You have not answered the question.
Small claims court costs about £70-500 - google mcol. It would be the solicitors that charge for their time that costs.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 -
Some lenders will ignore problems caused through mobile contracts.
Engage a good independent mortgage broker.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
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