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Lowell Default

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Comments

  • Sophie94x
    Sophie94x Posts: 19 Forumite
    Hmm true, but this will show on his credit report which, when applying for our joint mortgage (I have one in my sole name currently) won't look great. I guess it's worth a shot of getting it removed, worst they can say is no, right!?
  • ashp_2
    ashp_2 Posts: 416 Forumite
    Ninth Anniversary Combo Breaker
    Sophie94x wrote: »
    Hmm true, but this will show on his credit report which, when applying for our joint mortgage (I have one in my sole name currently) won't look great. I guess it's worth a shot of getting it removed, worst they can say is no, right!?

    The only way this would get removed is as a gesture of good will. I'm not sure lowell know the meaning of good will!
  • Sophie94x
    Sophie94x Posts: 19 Forumite
    Haha thanks! Although I am now on a mission to get this removed, il let you know :j
  • McKneff
    McKneff Posts: 38,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Its very unlikely it will be removed.
    Good luck though
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • PixelPound
    PixelPound Posts: 3,064 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    So the default was in July 2014 and it was settled in the same month?

    Are you using a broker. Not sure how much a single default from over 2 years ago that was settled straight away will have, but surely better than an outstanding debt, or newer default, or CCJ.
  • MrsTinks
    MrsTinks Posts: 15,238 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Name Dropper
    A single default if his credit history is otherwise exemplary will not stop him getting a mortgage. DH had one from a joint account with his ex (long story but basically they both thought the account was closed as they went in and closed it, turned out the bank honoured a debit of some sort and then charges mounted as it was in negative balance but with no over draft and so on and on - both moved when they split and they didn't tell the bank as they thought account was closed etc) - anyway - we got a mortgage just fine once we settled the default as there were no other issues on his credit file. Go to a good independent broker.
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • mparter
    mparter Posts: 409 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Sorry to be so blunt but...you've got more chance of taking the money for the stamp to send the letter asking them to remove it, spending it on a lottery ticket and winning the lottery!

    It sounds like it was correctly recorded and as above, an older default (provided his credit record since is fine) shouldn't be a major issue.
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