Jump to content


Blossom99

Am I wasting my time?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2464 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have an appointment with a mortgage advisor at Barclays as a first time buyer, with this springboard mortgage they have introduced where your parents put up the deposit in a savings account for 3 years. I have 3 satisfied defaults from 2011 when I was made redundant. Arrangement repayment plan of Barclayloan arrears and overdraft and now all paid and back to normal, overdraft is now paid in full every month, am currently paying of about £100 on my barclaycard and have about £1000 to go, limit is £1400. Minimum payment is about £30 so am over that. My car finance is paid off early 2014 and have not missed a payment since 2011. In fact have missed any payments since 2011. There are no overdue payments on my credit file, just previous late ones, and obviously the 2 yr old satisfied defaults. Will over a year good behaviour bear any substance, and I mean not a single missed payment or am I just setting myself up for a big fall? Thanks

Share this post


Link to post
Share on other sites

Ps mine and hubby's joint income is approx 40k a year, and those 3 defaults are payday loans, I know I know, and the defaults cannot be removed as I did default fair and square

Share this post


Link to post
Share on other sites

I have been told that ANY defaults on your credit file whether they are satisfied or not will scuper your chances of getting a mortgage these days unfortunatly. So it might be just a case of waiting the 6 years for those defaults to drop off, painfull as that is.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...