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darwins_mum
Posts: 453 Forumite
Hello you lovely people, the end is nearly in sight.
I am down to my final 3 debts. Cabot have offered me a 70% reduction in full and final settlement, so am working towards paying them off in one go. The advisor said that neither of these debts are currently being recorded on my credit file. They went into default 10? years ago - will this affect me changing my mortgage?
I am down to my final 3 debts. Cabot have offered me a 70% reduction in full and final settlement, so am working towards paying them off in one go. The advisor said that neither of these debts are currently being recorded on my credit file. They went into default 10? years ago - will this affect me changing my mortgage?
Nothing is so fatiguing as the eternal hanging on of an uncompleted task
Crazy Clothing Challenge 2015 £48.58/£200 :eek:
Crazy Clothing Challenge 2015 £48.58/£200 :eek:
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darwins_mum wrote: »The advisor said that neither of these debts are currently being recorded on my credit file. They went into default 10? years ago - will this affect me changing my mortgage?
Nope, every six years your credit file is wiped, they will have zero effect on you.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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