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Are our mortgage hopes hopeless with CCJ not satisfied?
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FreedomJane
Posts: 5 Forumite
A bit of history, both myself and my husband were discharged from bankruptcy just over 3 years ago. File cleanup is complete and all accurate so our Credit files show a great picture of late.
We have a 15% deposit and good salaries.
The problem is I have a CCJ that was included on my bankruptcy so I have no liability to pay it, but it cannot be marked as satisfied by the court. I’m exploring every option to try to change it’s status.
If I can’t get it marked as satisfied or get it set aside, are our hopes hopeless until it goes from my credit file in 2 years? Or are there any lenders who we can turn to or should we take it on the chin and keep saving for 2 more years?
We have a 15% deposit and good salaries.
The problem is I have a CCJ that was included on my bankruptcy so I have no liability to pay it, but it cannot be marked as satisfied by the court. I’m exploring every option to try to change it’s status.
If I can’t get it marked as satisfied or get it set aside, are our hopes hopeless until it goes from my credit file in 2 years? Or are there any lenders who we can turn to or should we take it on the chin and keep saving for 2 more years?
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Comments
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you need a broker who deals in adverse credit to advise you of your individual circumstances"It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
G_M/ Bowlhead99 RIP0 -
As above. You need a good broker that will be able to source you a mortgage that accounts for your financial situationI am a Mortgage Broker.
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice0 -
Thanks for your replies, where do I find a recommendation for this type of broker?
I can use google but how do I know they are any good? Obviously I can't ask a friend in this case.0
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