Freaking out right now mortgage in doubt before completion

themoneyearner

ACG said:

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. 

But if it is settled can prove it is paid within 30 days of judgement 

ACG

I do not know the answer. 
I suppose if you can show it has been paid and you have applied for it to be removed then they might apply common sense, I will sit on the fence though and say 50/50. The fact it was at a previous address might help your argument. 

However, the bigger issue is that if your solicitor requests the money for Thursday and you are due to complete on Friday, if they do the last minute check on the Thursday the chances of them assessing it again within 24 hours is a little hit and miss.

I dont think anyone can give you the reassurance you probably want, its probably going to be a few sleepless nights. I will keep my fingers and eyes crossed for you. 

london21

If when the property completes and all sorted.

Find out why you have this on your record and try to take it off it is not ment to be on your records. 

TheJP

themoneyearner said:

ACG said:

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. 

But if it is settled can prove it is paid within 30 days of judgement 

Do you know the date the CCJ was active (not the date it was registered on your credit file as they usually get updated every 21-30 days).

Please make sure you update us on your progress.

TheJP

I'm hoping the OP is too busy unpacking in their new house to update on the thread.