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Help with my ccj for mortage

taylerhale
taylerhale Posts: 1 Newbie
in Mortgages & endowments
Hi me and my partner have been given a DIP with Barclays Bank. My partner has a ccj from 2015 which was satisfied in 2019 will this effect us in our application? Also what else do they look out for and what are you most likely to be declined for after been given the DIP? 

Help me please
thankyou 

Comments

  • K_S
    K_S Posts: 6,907 Forumite
    Fifth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 12 March 2021 at 12:29PM
    taylerhale said:
    Hi me and my partner have been given a DIP with Barclays Bank. My partner has a ccj from 2015 which was satisfied in 2019 will this effect us in our application? Also what else do they look out for and what are you most likely to be declined for after been given the DIP? 
    Help me please
    thankyou 
    @taylerhale It may or may not have been picked up at DIP stage. From memory, I think the form (at least the broker one) does ask for whether any applicant has ever had a CCJ. Not sure if it's the same direct.
    Does it show on all your credit files? It must be close to falling off soon.
    On the positive side, the CCJ appears to fall outside Barclay's "must decline" criteria which is -
    - Any unsatisfied CCJ
    OR
    - More than 1 satisfied CCJ and the latest registered within 3 years
    OR
    - Satisfied CCJs totalling more than £200 and the latest is registered within 3 years

    I am a Mortgage Adviser - You should note that this site doesn't check my status as a mortgage adviser, 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 advice. 

    PLEASE DO NOT SEND PMs asking for one-to-one-advice, or representation.

  • Ccrc
    Ccrc Posts: 10 Forumite
    First Post
    Just have a look at lending criteria’s, if you’re not on the auto decline lists and everything else is in order, then no reason for an underwriter to decline you. 
  • ukri
    ukri Posts: 139 Forumite
    100 Posts Name Dropper
    Ccrc said:
    Just have a look at lending criteria’s, if you’re not on the auto decline lists and everything else is in order, then no reason for an underwriter to decline you. 
    If only! :D
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    By default the CCJ will fall off the Registry Trust after 6 years. 
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