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Poor Credit History...Remortgage.
stuart30
Posts: 499 Forumite
We have our Mortgage with NRAM currently...have another 20yrs to run (had it 10 yrs so far).
September 2010 we both went Bankrupt,but as we had negative equatity NRAM had no intrest in house so we kept it and things have slowly improved.
Foolishly ive argued with Anglian Water and ended up with 3 ccj"s for bills being paid late (Amounts were disputed as varied hugely and was told the CCJ was formality so couldn't attend court to defend myself)...all Three have been paid (small amounts from £250 to £800 being the largest) and show as satisfied.
Bankruptcy will fall off Credit file hopefully September this year and im hoping to either sell and buy else where or failing that remortgage this place.
Currently on Intrest only at 4.78%...so hopefully get a better deal next time around when credit file looks a bit healthier.
Im just wondering with the credit cleaned up...will having the CCJ"s have a big impact as they are for reasonably small amounts...or is the Amount they were for irrelevant.
Guessing even after September its going to have to be the sub prime lenders.?
Oh if it makes a difference the current Balance is £103k with value averaging at £155k.
September 2010 we both went Bankrupt,but as we had negative equatity NRAM had no intrest in house so we kept it and things have slowly improved.
Foolishly ive argued with Anglian Water and ended up with 3 ccj"s for bills being paid late (Amounts were disputed as varied hugely and was told the CCJ was formality so couldn't attend court to defend myself)...all Three have been paid (small amounts from £250 to £800 being the largest) and show as satisfied.
Bankruptcy will fall off Credit file hopefully September this year and im hoping to either sell and buy else where or failing that remortgage this place.
Currently on Intrest only at 4.78%...so hopefully get a better deal next time around when credit file looks a bit healthier.
Im just wondering with the credit cleaned up...will having the CCJ"s have a big impact as they are for reasonably small amounts...or is the Amount they were for irrelevant.
Guessing even after September its going to have to be the sub prime lenders.?
Oh if it makes a difference the current Balance is £103k with value averaging at £155k.
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