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Resolved

Londonian001
Londonian001 Posts: 27 Forumite
Second Anniversary 10 Posts Name Dropper
edited 22 April at 11:47PM in Mortgages & endowments
No longer relevant.

Comments

  • ACG
    ACG Posts: 24,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Are you in a DMP? Or was it an arrangement to pay? 
    Did the status 4 late payment stop in 2018 or has that been showing every month as a 4 since? 


    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.
  • JustMe18
    JustMe18 Posts: 167 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    By dropped off you mean paid or completely gone from your file as 6 years have passed? 
  • ACG
    ACG Posts: 24,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    Ignore Mojo, the amount of people I have spoken and helped to after they (and L&C and other similar sized large call centre type brokers) have said something cant be done is ridiculous. 

    Those firms are the reasons why I now say "I cant do it" rather than "it cant be done", as I have no idea if it is a lack of knowledge. I would hate to prevent someone from buying a home because of my lack of knowledge. 

    Its difficult to answer your question without seeing yoru credit report. But find a proper broker, make sure you only pay on results and I think you will have some options.
    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.
  • lydjenks
    lydjenks Posts: 1 Newbie
    Name Dropper First Post
    Just jumping on this thread - @ACG It would be interesting to hear if you had any reccomendations (note you are an advisor also). Not in the same situ as the OP but looking to get a Shared Ownership mortgage with 2021 defaults
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