Urgent help please - declined

alice_kate_2 · 15 April 2016 at 6:12PM

Thrugelmir wrote: »

Are you sure that this is the entire story. Who gave you this information.

This is what our broker said.

brendanb581 · 15 April 2016 at 7:43PM

alice_kate wrote: »

This is what our broker said.

I don't understand how they can decline you on credit score after doing a 'hard' search and passing? Surely the hard search is a full check.

alice_kate_2 · 15 April 2016 at 9:44PM

brendanb581 wrote: »

I don't understand how they can decline you on credit score after doing a 'hard' search and passing? Surely the hard search is a full check.

That's what I thought that's why I'm so confused. Definitely a hard search as its on my file.

brendanb581 · 15 April 2016 at 10:14PM

alice_kate wrote: »

That's what I thought that's why I'm so confused. Definitely a hard search as its on my file.

Are you sure it wasn't a soft search aka a quotation search? It would still appear on your file but only you would see it and not other lenders.

B

alice_kate_2 · 15 April 2016 at 11:09PM

brendanb581 wrote: »

Are you sure it wasn't a soft search aka a quotation search? It would still appear on your file but only you would see it and not other lenders.

B

How would I be able to tell? Broker said it was a hard search and the were told about the late payments at DIP stage.

banks4u · 16 April 2016 at 7:22AM

Call Woolwich and find out.

alice_kate_2 · 16 April 2016 at 9:02AM

I've just looked at experian and my score is 987/999 so I am totally lost. Any advice? I'm not sure whether calling woolwich is a good idea as my broker wants to appeal and I don't want to mess anything up.

csgohan4 · 16 April 2016 at 9:51AM

I hope the broker was not from the Estate Agent, if they are, you are a mug

alice_kate_2 · 18 April 2016 at 8:51AM

I just rang Woolwich direct and on their system it doesn't say declined it says awaiting further documents? I'm so confused - anyone have any ideas?

Brightspark87 · 18 April 2016 at 9:46AM

Hi - both myself and DH have had problems in the past although nothing too major. Halifax just accepted us. Much cheaper than Aldermore. You need to get a decent broker. Ours was very specific with who he would put us with to make sure we didn't get lots of hard searches on our file.