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Domestic Violence and Financial Abuse - left with £000's worth of debt
Comments
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We're you honest about thr income when you applied for it? Also were you honest about your other debts?
I'm only asking as the lenders will be asking that.
I hope you get sorted out though.
Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £56099
Cc around £32001 -
yes totally honest. plus they are supposed to run a check to see what else you have...Sncjw said:We're you honest about thr income when you applied for it? Also were you honest about your other debts?
I'm only asking as the lenders will be asking that.
I hope you get sorted out though.0 -
Yes but not every lender reports to the same cra as another lender. So it may look like you had less than you did.downandoutagain said:
yes totally honest. plus they are supposed to run a check to see what else you have...Sncjw said:We're you honest about thr income when you applied for it? Also were you honest about your other debts?
I'm only asking as the lenders will be asking that.
I hope you get sorted out though.
Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £56099
Cc around £32001 -
fortunately for me, i have a copy of my Credit File from Check my file, and ALL of my debts are recorded with at least 3 CRA's.
It has to be worth a try. as a vulnerable person, all of my debt skyrocketed over a 2.5 year period.0 -
You shouldn't jusr rely on check my file you should check all three. See what's recorded where.
Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £56099
Cc around £32000 -
NB, They won't be able to see other loans/credit cards if you applied for them in a short space of time. £50k does seem high relative to a take-home of £2400 monthly though.downandoutagain said:
yes totally honest. plus they are supposed to run a check to see what else you have...Sncjw said:We're you honest about thr income when you applied for it? Also were you honest about your other debts?
I'm only asking as the lenders will be asking that.
I hope you get sorted out though.Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.1 -
Check my File shows all four agenciesSncjw said:You shouldn't jusr rely on check my file you should check all three. See what's recorded where.0 -
my income was less than that at the time... more like £1900kimwp said:
NB, They won't be able to see other loans/credit cards if you applied for them in a short space of time. £50k does seem high relative to a take-home of £2400 monthly though.downandoutagain said:
yes totally honest. plus they are supposed to run a check to see what else you have...Sncjw said:We're you honest about thr income when you applied for it? Also were you honest about your other debts?
I'm only asking as the lenders will be asking that.
I hope you get sorted out though.0 -
Check my file is OK - shows current data being recorded on the three main CRAs plus crediva. Just remember to cancel before the monthly fee kicks in as no-one should pay for their own data.Sncjw said:You shouldn't jusr rely on check my file you should check all three. See what's recorded where.0 -
Thankyou - already done itfatbelly said:
Check my file is OK - shows current data being recorded on the three main CRAs plus crediva. Just remember to cancel before the monthly fee kicks in as no-one should pay for their own data.Sncjw said:You shouldn't jusr rely on check my file you should check all three. See what's recorded where.
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