Vodafone late payment - mortgage impact?

SomeUser

I currently have a mortgage with skipton with 1 year left of a fixed rate deal.

Property LTV - 60%
No affordability issues
4 credit cards, no late payments in 2 years
£4000 cc debt on 0% although I have enough in savings to pay this off before remortgage

But
I have 1 default from the Open University - £1300 September 2013, satisfied.
A fair few late payments 2-3 years ago.
1 late payment with vodafone registered in December 2014

I'm currently in dispute with vodafone because of problems with my Direct Debit and they marked my credit history with a late payment. I have 3 weeks until I can take my complaint to the ombusdman.

I believe I've got a strong case against vodafone, but if I'm unsuccessful, is it likely to impact on my ability to get a remortgage?

Keekles

To be honest a lot of lenders have taken into consideration what are becoming 'common' defaults such as mobile phone contracts as of late. You're best approaching a broker but I know of a couple of lenders that would consider dismissing them and then taking a view on your Open University late payments.

Wouldn't say it's the end of the world and should be a place, especially at the given loan to value - but you might struggle finding it without a broker.

Vodafone

Hi SomeUser,

If you'd like any help from me, email me with your details via the link in our profile here.

All you need to do is copy and paste the link into your web browser and it'll take you to the Contact us form on our website. To make sure it reaches me, quote the code WRT135 - MSE in the subject line.

Once sent, you'll receive an automated reply with a reference number. Post back with this and I’ll check I've received it.

Kind regards,

Lee

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