Nationwide Morgage With PDL on Credit File

tazza81

Hi


Can anyone tell me if they have recently acquired a mortgage with Nationwide and have a old Payday loan account on their credit file?


I am in the process of trying to find a Morgage and used a broker who have come back to me with only two options one of which was Nationwide because of an old PDL showing on my credit file from 3 years ago?


We are due to apply tomorrow and don't want to damage credit file if its going to be a straight knockback, I know nationwide do full credit check at DIP stage.


The house we want to buy is £186,000, We have 27k deposit and joint earnings of 70k with no debt.


Any help/advice apprteciated


Thanks

brendanb581

Hi

How did you get on with this? I'm in the same boat

kingstreet

Plenty of lenders have no interest in a three-year old PDL.

Bravestar

brendanb581 wrote: »

Hi

How did you get on with this? I'm in the same boat

Not sure why you would bump a 1 month old thread, when there are already 2 threads on almost the same topic discussed here within the last 2 hours. :cool:

Anyway, in case you missed them, and to avoid me repeating myself yet again...

https://forums.moneysavingexpert.com/discussion/5456627

https://forums.moneysavingexpert.com/discussion/5456617

Edit: I also see you posted last week about having a DIP from Nationwide
https://forums.moneysavingexpert.com/discussion/5452509

According to Nationwide website

Getting a DIP involves a credit check

So has something now gone wrong? :huh:

yessuz

because I and other person hasn't applied yet, and the OP most probably - did. so the right feedback from OP is highly appreciated.

Bravestar

yessuz wrote: »

because I and other person hasn't applied yet, and the OP most probably - did. so the right feedback from OP is highly appreciated.

Thanks for confirming my suspicions
(not that was really any doubt)

brendanb581

Bravestar wrote: »

Not sure why you would bump a 1 month old thread, when there are already 2 threads on almost the same topic discussed here within the last 2 hours. :cool:

Anyway, in case you missed them, and to avoid me repeating myself yet again...

https://forums.moneysavingexpert.com/discussion/5456627

https://forums.moneysavingexpert.com/discussion/5456617

Edit: I also see you posted last week about having a DIP from Nationwide
https://forums.moneysavingexpert.com/discussion/5452509

According to Nationwide website


So has something now gone wrong? :huh:

I passed the credit check - valuation instructed. I'm guessing it could still go wrong when going with the underwriters though?