Freaking out right now mortgage in doubt before completion

themoneyearner

So background 

Mortgage been approved 

Exchanged contracts Thursday 

To complete on 6th April 

Last night check my credit score 

And on 13th March I have had a ccj listed on my account 

Had no idea about this never got a summons was registered at old property (haven't been there for 9 months)

It is only for £300 I think it must be for a parking fine that was disputing last correspondence was a couple of years a go 

Is my mortgage company likely to do another search before completion 

Will this be enough for them to pull offer 

Then basically I am completely messed up 

goater78

This close to completion best not to say anything and hope for the best. You might get lucky and the bank don’t notice. 

housebuyer143

themoneyearner said:

So background 

Mortgage been approved 

Exchanged contracts Thursday 

To complete on 6th April 

Last night check my credit score 

And on 13th March I have had a ccj listed on my account 

Had no idea about this never got a summons was registered at old property (haven't been there for 9 months)

It is only for £300 I think it must be for a parking fine that was disputing last correspondence was a couple of years a go 

Is my mortgage company likely to do another search before completion 

Will this be enough for them to pull offer 

Then basically I am completely messed up 

Which lender is it?

themoneyearner

Kent reliance

themoneyearner

goater78 said:

This close to completion best not to say anything and hope for the best. You might get lucky and the bank don’t notice. 

I mean as soon as I know who I need to pay I will pay it so will be done before 30 days and won't be on credit report in future 

Just 5 more days now I literally am losing my mind

MikeJXE

You're not on your own

Everyone loses their head buying and selling a home, it's probably one of our most stressful periods 

TheJP

themoneyearner said:

goater78 said:

This close to completion best not to say anything and hope for the best. You might get lucky and the bank don’t notice. 

I mean as soon as I know who I need to pay I will pay it so will be done before 30 days and won't be on credit report in future 

Just 5 more days now I literally am losing my mind

If the CCJ is valid it will stay on your file for 6 years after it is settled. Stay quiet and hope they don't do any further credit checks. Fingers crossed for you.

themoneyearner

Yes but if pay it withinTheJP said:

themoneyearner said:

goater78 said:

This close to completion best not to say anything and hope for the best. You might get lucky and the bank don’t notice. 

I mean as soon as I know who I need to pay I will pay it so will be done before 30 days and won't be on credit report in future 

Just 5 more days now I literally am losing my mind

If the CCJ is valid it will stay on your file for 6 years after it is settled. Stay quiet and hope they don't do any further credit checks. Fingers crossed for you.

Thanks 

It is within 30 days so if settle it atleast Will come off the report

MWT

themoneyearner said:

It is within 30 days so if settle it atleast Will come off the report

Yes, but you will need to write to the court and provide proof from the person or business that you owed, that it has been paid...

https://www.gov.uk/county-court-judgments-ccj-for-debt/ccjs-and-your-credit-rating

themoneyearner

MWT said:

themoneyearner said:

It is within 30 days so if settle it atleast Will come off the report

Yes, but you will need to write to the court and provide proof from the person or business that you owed, that it has been paid...

https://www.gov.uk/county-court-judgments-ccj-for-debt/ccjs-and-your-credit-rating

Will explaining this to lender help at least tho

So annoyed right now 

ACG

Not really. Lenders take the credit report as gospel. You disputing it does not mean the company who put the CCJ on is in the wrong.