Anyone completed with Halifax recently?

sammydodger_2

Hi,

I!!!8217;m asking for a friend - she!!!8217;s completing her mortgage next week but just checked her credit report and their are missed payments been recorded for the last 3 months.. this is an old defaulted debt from 2009 which wasn!!!8217;t their when initial full checks were done..

I!!!8217;ve spoken to our broker and she said they could check again before completion but theyHas anyone completed with Halifax recently and can they tell me if they had another credit check prior to completion?

It!!!8217;s only recorded with Callcredit - Experian and Equifax are clear

Thanks I!!!8217;m advance

chanz4

Halifax will check

kingstreet

We currently have a case where the receipt of the certificate of title has triggered a new credit score and the result is now a decline.

We're waiting for the referral to a senior underwriter to determine if completion will be permitted next week as the mortgage offer remained valid.

sammydodger_2

Thanks for your feedback - when is that normally completed? She has no idea what the solicitor has done so far she had completed all searches etc and she said she will look to complete next Friday?

kingstreet

The solicitor submits the certificate of title to request the mortgage funds ready for completion.

sammydodger_2

Ok THankyou I will pass this on. I read so many conflicting things where they didn!!!8217;t check etc it!!!8217;s hard to know. It!!!8217;s a pain when credit companies do this.. I know Halifax except some adverse credit - this was from 8 years ago and they literally have put 3 late paymebts for the last 3 mo the on her report yet no other history of the account even though it clearly states it opened in 2009

sammydodger_2

If they did come back and decline due to this are the good with disputes or understanding about the situation?

kingstreet

sammydodger wrote: »

If they did come back and decline due to this are the good with disputes or understanding about the situation?

Disputes? Understanding?

If we get a decline, it's over.

Effectively, what we are doing is the highest possible appeal!

sammydodger_2

Thanks - I read some posts on here where people have explained circumstances and Halifax have been really understanding and ithey have still had the mortgage just with so far into it now I figured that may be different! I guess fingers crossed for her that it!!!8217;s not picked up on

chanz4

everytime an action is done they recheck

sammydodger_2

How often are things ‘actioned’ sorry I don’t understand all this just trying to work out if anythjng would have been actioned by now for them to have checked already at any point?