Mortgages

lovefoodeveryday

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expatsmortgages

Hi Zabe,

Might be best with the previous credit issues to pay or settle in full if there is any monies outstanding as this will leave you paying a higher rate. Normally if there are any monies outstanding you can ask the debt management company that you can settle the outstanding and you require a letter of full and final settlement which you can the n send to the court that registered the CCJ and have this removed. If they only offer a settlement letter and its not a full and final settlement letter dont settle until they do.

Ged

lovefoodeveryday

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Thrugelmir

lovefoodeveryday wrote: »

The remaining amounts to £3,261, all will Lowell portfolio and the fact they have all become Statute Barred, should mean I will be in a strong position of negotiation in terms of full and final settlements.

Lenders though are like elephants. They won't have forgotten. Not paying debts is all very well. Though the decision may come back to haunt you in the future. There's no time bar on blacklisting customers that lenders don't wish to deal with.