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dmb248

Opportunity to re-mortgage, one credit entry [HFC] on my file providing a stumbling block...help

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Hello all

 

Just looking for a bit of info regarding an offer I have had to redeem a mortgage on a by to let property with substansial cash back.

 

I have a challenge that it would seem that adverse credit (late payments) on a property that I sold (residential) in Aug 2010 means that I am struggling to find a lender to take on the property to re-mortgage. Other that that my credit history and score is good no CCJ's or Defaults.

 

Can anyone enlighten me as to any ways around this challenge...would the lender in question who has their loan satisfied be willing to remove the entries if I wrirte to them for instance?

 

Any enlightenment appreciated

 

dmb

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who is the defaulter and what was the debt?

 

dx


..

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Hi dx

 

It was on a secured loan on my main property with HFC bank

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aha that lot...

 

i bet you had lots of compulsory insurances with them

and fees you know nothing about

 

got all the statements to check?

 

if not sar them

 

time to reclaim

then hit the default

dx


..

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Its a series of late payments not a default that I am looking to remove?

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shame

but what if you weren't sold the insurance etc, would the debt have been cleared by them?

 

i dont think you'll get much chance in removing late markers

as they will claim it shows the correct wau you operated the a/c?

 

or

you could ask them please

 

dx


..

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