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dave24872450
Posts: 17 Forumite
Evening everyone, can you help please?
About 8 years ago I closed my business and missed some payments on a loan I had with Natwest. They subsequently took me to court and had a CCJ registered against me which has now been settled and the CCJ no longer appears in my file.
We've recently applied for a mortgage and the broker queried why the Natwest account is still showing on my account. The CVJ and loan amount was settled in Feb 2017. The payment history shows me missing 6 payments throughout the life of the account but the broker thinks this is wrong as when I went to court, I never missed a single payment right through to when it cleared.
Should it show as 6 payments missed or should the payments show as up to date since the court hearing as I never missed a payment from then - does this make any sense?
Many thanks in advance e.
About 8 years ago I closed my business and missed some payments on a loan I had with Natwest. They subsequently took me to court and had a CCJ registered against me which has now been settled and the CCJ no longer appears in my file.
We've recently applied for a mortgage and the broker queried why the Natwest account is still showing on my account. The CVJ and loan amount was settled in Feb 2017. The payment history shows me missing 6 payments throughout the life of the account but the broker thinks this is wrong as when I went to court, I never missed a single payment right through to when it cleared.
Should it show as 6 payments missed or should the payments show as up to date since the court hearing as I never missed a payment from then - does this make any sense?
Many thanks in advance e.
0
Comments
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Any payments not in line with the original agreement will show as missed/late.0
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Really? So even though the last 60 payments were on time, those missed before still show as late all the way through? Thanks for coming back to me.0
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Correct - they will show as they are a correct reflection of the account0
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This is very curious as in order to have taken you to court and obtain a ccj would they not have had to default the account first?0
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