Npower. Refused mortgage.

Gemm83

Fighter1986. Thankyou for taking the time to reply. The matter was cleared in Nov 2019. I have emailed them to add a default date which would be June 2015 as that is when i moved property. The started date is the date listed is when we moved into the property. Let's see what they say 🤷‍♀️
MB is currently on the case looking at other providers that don't use experian although he's hitting a bit of a brick wall due to what we need and what we have deposit for.... 🤦‍♀️

Gemm83

Update. 
Complained to Npower.... Came back today to say that they will be updating my Experian records with them as "U" in the next 48hours. Apparently they couldn't be marked as having an actual default date because they fell under the amount threshold (£58).
Is this a good thing or bad thing for me? The girl on the end of the phone was very lovely, but she said that as she didn't work in the department she couldn't give specifics! 

[Deleted User]

U just means no data, so it's neutral.

Gemm83

OK, thanks for the reply. Fingers crossed 🤞

Gemm83

Another update!! Experian was updated within the 48hrs mentioned. The whole account has been marked as "U" up until it was settled then it shows "0". Score has shot up to 999 (irrelevant I know but makes me feel good!)
MB, says its an excellent result and will resume looking for products for us. I would say that was a result?! 😊

jazzyja

Gemm83 said:

Another update!! Experian was updated within the 48hrs mentioned. The whole account has been marked as "U" up until it was settled then it shows "0". Score has shot up to 999 (irrelevant I know but makes me feel good!)
MB, says its an excellent result and will resume looking for products for us. I would say that was a result?! 😊

Thats great news congrats! Good luck house hunting 

Can I just clarify you didn't actually get declined for a mortgage? Your MB just said you need to get in touch with npower regarding late payments? Because there's a big difference 

Gemm83

jazzyja said:

Gemm83 said:

Another update!! Experian was updated within the 48hrs mentioned. The whole account has been marked as "U" up until it was settled then it shows "0". Score has shot up to 999 (irrelevant I know but makes me feel good!)
MB, says its an excellent result and will resume looking for products for us. I would say that was a result?! 😊

Thats great news congrats! Good luck house hunting 

Can I just clarify you didn't actually get declined for a mortgage? Your MB just said you need to get in touch with npower regarding late payments? Because there's a big difference 

My MB said we wouldn't have a chance getting a mortgage with the default. 

We are now with another MB!