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Constantly troubled

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About Constantly troubled

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  1. I had mortgage arrears over 6 years ago, the lender went for repo and it was suspended. Arrears paid and back on track etc. Credit history now clear and looking to move. Santander have done a credit check on me and told my mortgage adviser that they have found something serious on my file but won't tell him what it is. I have checked my file and there is nothing on there. Am completely worrying now about what it could be. Have never been bankrupt, no IVA or criminal record so this is the only thing I can think of. Would Santander be able to see this somehow? How can I find
  2. I already donate monthly I could never have done what I have without the invaluable help of this site. I have no doubt I'll be back soon
  3. Will show on the website or will I need to call them? Thanks Also, can someone amend the header, I can't see how I can do that myself?
  4. Update for anyone reading this in the future. I completely ignored Mortimer Clarke and just sat tight. Yesterday, I received notification from them that they are no longer pursuing the claim. Apparently their client does not wish to proceed. Not a massive debt but another small victory against the DCA's. Thanks for all your help. I couldn't have done it without CAG.
  5. Just to update anyone who is reading this thread in the future. Skipton came back to me and after an underwriter looked at my file, they offered me the AIP. Fast forward one week and after an audit, they have apparently changed their minds again! When I've asked the probing questions, it's related to those old arrears on my closed account. They were fine with the CCJ because of the age and the fact it was satisfied. Now I'm completely stuck. GE won't remove those entries and they are on my file for another 6 years. 6 years of either
  6. When a credit search is done, is it recorded with all the credit reference agencies? I can see the search on callcredit but not with equifax or experian?
  7. The IFA said that it wouldn't matter after 3 months? That a new mortgage provider wouldn't care about the previous search? Is that even more BS they've given me?
  8. So I should stop worrying? A song springs to mind............... 'if I could turn back time' Thanks for responding dx
  9. Yes, the score is showing as fair. Everything else on my account is totally green.
  10. Can anyone else offer any other insight into this? I've seen a house earlier than I anticipated when I spoke to an IFA he thought my satisfied CCJ would be no issue. He spoke to a high street lender who said they would still accept me. When they did the credit check, it came back as a decline! I am completely deflated. Will any of the following facts make a difference? 1. My closed account is showing some old arrears, over 5 years ago but it's marked as settled. 2. The new mortgage is not showing on my current file Apparently Engage (my new p
  11. Won't the courts write to say it's no longer proceeding? Am I right in thinking that their 28 days response time will have lapsed?
  12. The claim form for this was issued on 13th January 2016 and I filed my defense on 21st January. Should I not have heard something by now or am I being too enthusiastic?
  13. Even if it's the only mortgage account on there? I spoke to Engage and for some reason, they've made a decision not to record on my credit file. Surely a future mortgage provider will want to see some evidence that I am a good mortgage payer? The only thing they could look at would be my settled mortgage account? If they go into there then they will see it? Or do they not even have access to this information? #veryconfused.com
  14. Hi all I'm writing this with a heavy stomach because I suspect I'm screwed for another 6 years through no fault of my own. I missed mortgage payments over 5 years ago and almost had my home repossessed. Through the help of CAG, I managed to avoid that and got my life back on track. I had a terrible credit file due to a loss of job but I've spend almost the last 6 years trying to ensure I pay everything back and not to make the same mistake again. In October 2015, G E Money sold my mortgage account to Engage Credit. No problem for me, I just make my paymen
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