We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!
natwest - ccj
Options

anxiousann
Posts: 6 Forumite
I have a NatWest appl in and a ccj from nov 2009 for £332 satisfied in 2011. Will this be an instant no?
0
Comments
-
They assess on a case-by-case basis, and state that they 'will usually decline an application where the applicant has a history of financial hardship' however they don't have a hard and fast rule, it depends on the rest of the case. Are you using a broker? What did they say?I am a mortgage adviser.You 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
-
no went straight into branch
she was very hopeful
she thinks it wont matter
but they have done the checks now and I am just worried to death - have started talking to brokers to try and get one lined up to start looking for another lender0 -
I would do - any adverse credit mortgage application really is a lottery going directly to a bank, but if the lady in the branch seems confident, fingers crossed.
Have you called to follow up on this? When was the application made/checks done? The outcome is usually known fairly soon.I am a mortgage adviser.You 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 -
it was only Friday - she thinks Wednesday she would know - I have emailed offering a gurantoor if they do that kind of thing?
she was overly confident she said forget about the ccj - it might not show up which makes me worry that I didn't disclose it0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards