Apply for Barclays mortgage when I've had debt statute barred with them?

vixiwoo

Hi everyone. Question for the experts out there. In Feb 2006 I walked away from my debt with Barclays. This was around £500 on a credit card and about £1800 overdraft. I had a few letters from them which I ignored and this was the last I spoke to them. I changed banks etc and for the last 18 months or so I've been able to get credit with various banks/ loan companies.

So my question is; my partner has been with Barclays for 20+ years and has a good history with them. We're now looking at getting a mortgage and Barclays can do a good rate with him. If we applied jointly (which we'd have to do) would any of my past credit issue come up and cause problems all this was 11 years ago? I received letters quite a few years ago from credit collection companies, so I think they sold the debt on. I also recently received a cheque from Barclays to my old address for interest accrued which makes me also think the debt has been cleared (the cheque was for £5, I haven't cashed it in!).

Anyway, that's my story and I appreciate any feedback. Thanks!

-taff

I can't answer that question but I think you'd get a better deal if you went to a broker.
I was with Lloyds for years, my other half with HSBC, neither of them could even come close o the deal we got through a broker.

sourcrates

Banks usually keep records for 6 years, sometimes a little longer.

I think you will be safe now, they usually only look at recent credit history.