We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Mortgage Application - Existing Satisfied CCJs Not Showing
CuriousCranberry
Posts: 12 Forumite
Hi Everyone,
First time buyers.
We had an acceptance with a poor credit lender at 7.5% using a specialist broker back in May.
Recently I've done a decision in principle online with a high street bank, who have done a soft credit search and said they could lend us what we need.
My partner had CCJs from just under 6 years ago (parking tickets, sent to wrong address), due to drop off their file in October and November. But we've done 'check my file' showing all 3 credit agencies and they are not showing on his file.
Are we likely to not obtain a mortgage offer, I know we still need to tell them about the CCJs when we are asked.
But the rate offered will make over £400pcm difference to our mortgage payments so of course we'd rather go with the high street lender.
My question is, how do we know if they've dropped off his file or if we will fall at the last hurdle during this house purchase if they haven't and the bank say no
First time buyers.
We had an acceptance with a poor credit lender at 7.5% using a specialist broker back in May.
Recently I've done a decision in principle online with a high street bank, who have done a soft credit search and said they could lend us what we need.
My partner had CCJs from just under 6 years ago (parking tickets, sent to wrong address), due to drop off their file in October and November. But we've done 'check my file' showing all 3 credit agencies and they are not showing on his file.
Are we likely to not obtain a mortgage offer, I know we still need to tell them about the CCJs when we are asked.
But the rate offered will make over £400pcm difference to our mortgage payments so of course we'd rather go with the high street lender.
My question is, how do we know if they've dropped off his file or if we will fall at the last hurdle during this house purchase if they haven't and the bank say no
0
Comments
-
I would recommend you ensure your driving licence and car documents are updated the minute you move. The CCJ from "sent to wrong address" is because the V5C wasn't updated when they moved - avoids this issue in the future. Add it to your list of tasks to tick off after you move so you don't forget it.
It's possibly an error they are not on the file unless he has the dates wrong?Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
0 -
The car was sold before he moved and he filled out the v5c online. He didn't get another car registered to him as he got a company car. His driving licence has always been up to date.Nasqueron said:I would recommend you ensure your driving licence and car documents are updated the minute you move. The CCJ from "sent to wrong address" is because the V5C wasn't updated when they moved - avoids this issue in the future. Add it to your list of tasks to tick off after you move so you don't forget it.
It's possibly an error they are not on the file unless he has the dates wrong?
We know how to update these things, was a complex case0 -
Check here, it will cost you a small fee, but will get you the information required:
TrustOnline Search
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.4K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.8K Spending & Discounts
- 244.4K Work, Benefits & Business
- 599.7K Mortgages, Homes & Bills
- 177.1K Life & Family
- 258K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards