Remortgage application with missing payments

nixy77
nixy77 Forumite Posts: 2
First Post
Newbie
Hi,
I moved into a new build apartment last year, and I am approaching the last 6 months of my current mortgage term. The handling of the apartments by the developers has been a shambles really. I haven't received a single service charge bill, so haven't paid a penny. The service is being disputed anyway, but that's another matter!
I also haven't paid anything for gas. One supplier wouldn't set me up at first, recently I now have two suppliers saying it's the other that supplies me! I know I could've (should've) pushed harder to resolve this.
My question is, will the absence of these payments in my bank statements be a red flag to a potential new lender?
Thanks in advance for any advice  :)

Comments

  • CSI_Yorkshire
    CSI_Yorkshire Forumite Posts: 1,792
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    I would expect not - they're normally looking for what you are spending rather than what you aren't (who's to say you were not on a cash prepayment meter for example?).

    If they are marked as 'missed payments' on your credit file then that's a completely different matter.
  • nixy77
    nixy77 Forumite Posts: 2
    First Post
    Newbie
    I would expect not - they're normally looking for what you are spending rather than what you aren't (who's to say you were not on a cash prepayment meter for example?).

    If they are marked as 'missed payments' on your credit file then that's a completely different matter.
    That's a good point re cash prepayment meter. And as I haven't been billed, they don't affect my credit. If they were to ask about those things, I'd probably just have to come clean. Thanks for your advice!
  • RelievedSheff
    RelievedSheff Forumite Posts: 10,524
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    If you do a product transfer with your existing lender there would be no credit checks anyway.
  • ACG
    ACG Forumite Posts: 23,239
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
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    Many lenders do not ask for bank statements. 
    The ones that do generally are only looking for income evidence and signs of anything that has not been declared (ie loans etc). 

    You should be fine. 
    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.
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