In November we applied for a DIP for a mortgage with a "soft" credit history search and surprisingly it was declined. naturally we checked our credit history and found 2 things, firstly Experian could not find my records as Flat 8 is recorded as Flat 5-16 at the Royal Mail and secondly I have a string of missed payment marks with a closed Santander account which was unexpected. I applied for a different more expensive mortgage DIP with a "soft" credit check and got it and started looking for a property. In the meantime I sorted out the address issue with Experian and then looked into why I have 7 or so missed payments with Santander. This was a student account with an interest free overdraft and on occasions Santander decided to charge me interest which put me into unauthorised overdraft around 7 times over the space of 2 years. At the time I had all interest charges and fees refunded and thought nothing of it other than it was time to leave Abbey/Santander. in December I made a complaint with Santander and sent a letter with a table listing every missed payment mark explaining why it is incorrect. All of the dates on the credit history do not match with the events and are in some places 6 months out. Late last month I put an offer in for a house which we just could not miss out on. Best thing about the property is that the executor has applied for a probate which will take around 3 months to complete I thought I had plenty of time to sort things out with my credit history. Turns out that as of this week we have been informed the probate will probably be granted in 3 weeks and I need to proceed with the mortgage. I have been chasing Santander since I put the complaint in December and now have a direct number to my complaint handler which is great. However I get the impression that Santander are doing their best to ensure this takes as longs as possible. She keeps contacting various departments and most recently the credit history department confirmed that my credit history is correct! The dates are about 2-6 months out and all charges were refunded as it was not my fault! My complaint hander at Santander has now contacted another department, with no resolution date. As we really should should be continuing with my mortgage application I really need to get my credit history sorted ASAP. I have made Santander aware of the situation but they do not seem to be taking it seriously. Does anyone have any tips on how to talk Santander into sorting my credit history out quickly? As a cheaper mortgage is about £70 less a month this could turn into a costly issue over 2 years fixed rate. After speaking with my mortgage advisor I have been informed that the only cheaper mortgages available today for us do not do "soft" credit history searches. If Santander do not sort the credit history out I am tempted to risk applying for a cheaper mortgage now that my address issue has been resolved with Experian, but if it does get rejected it will get recorded on my credit history but I still have the valid DIP for the more expensive mortgage. Even with the missed payment marks both of us have excellent credit histories. Thanks in advance.

Hello, read a few bits of good advice on this site but i require some further clarification. I currently owe wonga £550 due on the 12th april. I will have just enough to pay this on my payday 12th but this would obviously leave me with almost absolutely £0 to survive for a month thus forcing me to get another payday loan (which i dont want to do) because everytime i do it becomes more and more. I have contacted wonga and told them it isnt viable for me to pay it off in one, the man on the phone suggested to me that 3 days before the money was due, set up a payment plan from the my account section of wonga. My only apprehension about this is any damage to my credit rating (would they mark this as a default on the loan? and how badly would that affect me in the future?) I do have another option avaliable, which would be to repay the loan in full then live off a tesco credit card with 21.9% apr, hopefully someone can give me abit of advice on the matter, it would be much appreciated!