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Col_J

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  1. Hi, forgot all about this until getting an email prompt. I eventually managed to get them to agree to TOE on my 5th attempt of applying. It's actually in the hands of the solicitors right now still going through. In the end I got a letter asking me to forward a break down of my cost of living to cover all monthly expenditure and after that to my relief they accepted. I was almost just about at the end of the fixed term product I was tied to so not sure if that was a factor. Still it's taken 2 full years to sort out which is quite unbelievable. My loan during the whole time of applying for sole name was around 2x my annual salary so god knows why I was refused over and over. I never actually done anything different each time I tried. Just keep trying I'd say. If you need a quick end to it then seriously consider having a friend or family member be added as a name in ace of the ex otherwise you could end up going round in circles for several years like me.
  2. Possibly could be a factor, however Im salaried and working within the oil/gas sector for a household name oil company. I'd like to think of my job as being as being more secure than most.
  3. Hi, hoping someone can help me here because I’m rapidly beginning to loose the plot!!I purchased a house with my ex just over 2 years ago, at the time we only earned around 30k between us, however they accepted no problems at all. I sold a previous property to lay down a 25% deposit and pay the fees etc. We split up after only around 6 months in the house, the ex agreed it was my house and as soon as possible I would do a transfer of equity and release her off the mortgage so we could both get on our separate ways. A further 6 months or so down the line I got a huge pay rise & currently earn double our combined income at time of accepting the mortgage. Should be simple enough to arrange a transfer of equity you'd think. Applied to Alliance & Leicester to go solo, sent off pay slips etc & waited about a month to be declined on affordability!! Now I had some credit cards and a car loan so I thought maybe if I clear all that and try again ive got to be accepted!! Sold the car, bought a cheap one cash, happily cleared the loan (15k) which was with Santander that took A&L over (that made me feel good, i'll never do business with them again and urge anyone to steer clear!!) cleared every card I had and cancelled the accounts. I was now in a position where I had no debt & my mortgage only 16% my net pay. Applied again, waited.........declined AGAIN only stating affordability.I phoned up to ask some questions, to be informed by a very sympathetic and embarrassed sounding customer service advisor who told me that he was really sorry and sympathysed with me but he couldn’t discuss with me why I cant afford this mortgage and that it was calculated by the under writer dept who is a non telephone dept!!!!!!!!! I asked if they could then at least give me an indication of what they deemed affordable as I have some savings I can bump into the mortgage to shrink the loan but they couldn’t tell me that either.I’ve applied once more since then and again been refused, they state they will allow me to do a transfer of title keeping my ex on the mortgage however she quite rightly refuses to comply with this. I’m at my wits end here, this is causing me stress and sleepless nights. I’m now in a new relationship, got a baby on the way & will be wanting to move house in the next 12 months. Does anyone have any help or advice they can give me short of arriving at A&L HQ & windmilling their staff??
  4. Hi, I recieved a letter today from a debt collector, it reads: RE: West Lothian Council. Balance Due - £103.34 Dear sir, Having ignored all previous correspodences in conection with the above debt (this is the 1st correspondence ive recieved from them!?),we would now advise, that legal proceedings may now be taken against you without further notice. In the event of such an action being successful, additional fee's and interest could now be added to your ballance. It could also impact on your ability to recieve further credit (including a mortgage) now or at a future date. Full details of the payment details can be found overleaf. It then goes on to mention phoning them & their opening hours!! Now ive not done anything with this yet as im unsure of the best course of action. Its all to do with an apparent over payment of wages with my previous employer (WLC), I only worked with them for a period of 4 weeks, before getting offered another, much better job. As far as im concerned I done my time & got paid what I was due, infact thinking about it now I wasnt paid for any holidays I accrewed during my time there, just my months wages. I had a discussion with them via the phone many months after leaving & couldnt make logic of how I owe them money so told them I wast paying until I had some proof, then left it at that, I guess they must have sold the debt on now to this lot that has contacted me. Any advice on what to do would be great, I know its only 100 quid but its the principle of the matter I dont think its due. Cheers, Col_J
  5. Hi, I recieved a letter today from a debt collector, it reads: RE: West Lothian Council. Balance Due - £103.34 Dear sir, Having ignored all previous correspodences in conection with the above debt (this is the 1st correspondence ive recieved from them!?),we would now advise, that legal proceedings may now be taken against you without further notice. In the event of such an action being successful, additional fee's and interest could now be added to your ballance. It could also impact on your ability to recieve further credit (including a mortgage) now or at a future date. Full details of the payment details can be found overleaf. It then goes on to mention phoning them & their opening hours!! Now ive not done anything with this yet as im unsure of the best course of action. Its all to do with an apparent over payment of wages with my previous employer (WLC), I only worked with them for a period of 4 weeks, before getting offered another, much better job. As far as im concerned I done my time & got paid what I was due, infact thinking about it now I wasnt paid for any holidays I accrewed during my time there, just my months wages. I had a discussion with them via the phone many months after leaving & couldnt make logic of how I owe them money so told them I wast paying until I had some proof, then left it at that, I guess they must have sold the debt on now to this lot that has contacted me. Any advice on what to do would be great, I know its only 100 quid but its the principle of the matter I dont think its due. Cheers, Col_J
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