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Got an AIP from accord mortgages with CCJ via cascaded product
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Lckuj2018
Posts: 30 Forumite
Will it go through to full offer as didn’t think accord accepted ccjs.
It’s satisfied and 2 years old. £1000.
All other credit perfect.
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Comments
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Did you tell them about it? , The CCJ?Lckuj2018 said:Will it go through to full offer as didn’t think accord accepted ccjs.It’s satisfied and 2 years old. £1000.All other credit perfect.0 -
Accord have this system where if you fail on criteria but you pass the credit check, they can still issue an offer.
Its only a new feature so I do not have any experience of it personally. I would have some confidence though, it seems like a waste of a process if they do not follow through with it - unless there are other issues not picked up on the credit check.
Will you update us? I say this a lot, but I come on here to learn as much as I do help so it would be interesting to hear how you get on.I am a Mortgage AdviserYou 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.0 -
The broker knew and she’s highly recommended.housebuyer143 said:
Did you tell them about it? , The CCJ?Lckuj2018 said:Will it go through to full offer as didn’t think accord accepted ccjs.It’s satisfied and 2 years old. £1000.All other credit perfect.1 -
Yes I will update youACG said:Accord have this system where if you fail on criteria but you pass the credit check, they can still issue an offer.
Its only a new feature so I do not have any experience of it personally. I would have some confidence though, it seems like a waste of a process if they do not follow through with it - unless there are other issues not picked up on the credit check.
Will you update us? I say this a lot, but I come on here to learn as much as I do help so it would be interesting to hear how you get on.0 -
It went to a refer then accept for aip. Does that mean they will know about the CCJ ? Surely it doesACG said:Accord have this system where if you fail on criteria but you pass the credit check, they can still issue an offer.
Its only a new feature so I do not have any experience of it personally. I would have some confidence though, it seems like a waste of a process if they do not follow through with it - unless there are other issues not picked up on the credit check.
Will you update us? I say this a lot, but I come on here to learn as much as I do help so it would be interesting to hear how you get on.0 -
The broker should have mentioned it and it should have been picked up on the credit check so I would be surprised if they did not know about it.I am a Mortgage AdviserYou 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.0
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