Jump to content


Mortgage Default Recorded on Credit Report


middlechild
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2125 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

 

My property was repossessed

I was able to raise funds to pay off the balance on my mortgage before it was sold, and got it back.

 

The whole process took a couple of months by which time the default was already showing on my credit file

(The default was in fact reported to the CRAs almost immediately; I know this because I checked).

Can I get the default removed?

 

I am aware that technically, it should remain for 6 years,

is there any likelihood of the lender waving this since I came up with the funds rather quickly after the repossession.

 

Being a large debt and a quite recent default, it has completely ruined my credit rating, making it impossible for me to do anything credit related.

 

Most importantly, I am seeking new employment and in my line of work, companies perform not just identity checks but also credit checks.

This would disqualify me instantly.

 

Thanks in advance.

Edited by middlechild
Link to post
Share on other sites

It was correct at the time so not 'wrong'

 

there is a chance if you write a very polite pleading letter to the lender

pulling on their better nature

explaining that you appreciate you made a mistake

but that was quickly rectified

and that their default is now preventing employment and financial progression.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

it has worked before

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 9 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...