natwest - ccj

anxiousann

I have a NatWest appl in and a ccj from nov 2009 for £332 satisfied in 2011. Will this be an instant no?

Mortgage_Mark_2

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?

anxiousann

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 lender

Mortgage_Mark_2

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.

anxiousann

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 it