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    • Please accept my apologies for the delayed update, but i have been trawling through emails for supporting evidence, you see we are in the consultation phase and there will be three meetings during the process. So as i have said  my role is at risk due to the scoring and mine being low. As explained i never received my report as my line manager left during December and i was on leave. So i was not afforded any meeting, i received no feedback at all, so how am i meant to know any areas to improve or to attain a higher grade. So with this in mind i gathered my supporting evidence, i found the email from my then line manager and the objectives that he set out and we agreed.   I then supplied 20 emails that  showed that not only did i reach the targets, i smashed them, highlighting areas that i had saved the company a considerable amount of money, idented issues  implemented process and solutions with ongoing support. All emails are verified and prove that i should have received the highest possible grade going by their criteria. I also included the email from HR when i challenged  the score and they replied with " the outgoing manager supplied thorough feedback to the incoming interim manager who should have provided this (this was never received, and report i received was blank with just a score. Highlighted was the email from HR stating " a two is not a concerning grade"  well clearly it is as less than a month later it is what was used to decide i was at risk. I have supplied this information to the line manager and the external HR rep that was on the call as i have 48 hours to supply this. Had i had a proper and fair review like everyone else had then i would have been able to provide this evidence when he issued the score, he could not argue with the sheer volume of evidence that i had. This proves what was said to me when i took this position, " there was some politics in me getting the role, their line manager had promised the role to one of his guys, they cant really do anything but watch your back" He should not have promised this anyway as two interviews were required in the process *which i sat) so i earned the right to the role. This was because the three of them knew there was a lot that would be uncovered and they wanted it covering, i started to see this after two weeks, had i not said anything then it would have looked as though i was incompetent or stupid. I did try to work with them on this to remedy but sadly they went the other rout instead.    
    • He'll be asking Truss for advice and help next ... or maybe go straight to a lettuce He already asked Swella How do you survive all those breaches of ministerial code etc She is rumored to have replied - dunno - if the positions were reversed, I'd have sacked me in without a seconds thought
    • Dear Stu. I have been very annoyed that they put this fee on my account right now, as you said the court might rule that i have to pay it further on. This sounds like a dodgy practice. Below is what the account manager sent to me when i asked her why this was getting added to my account right now. Is this legal what they are doing i.e. pre-empting the judges decision it seems. 'Thank you for the email.  The court fees have been added to your account as you have not vacated the property. If the court decide that the landlord is not able to recoup the costs, we would remove the charge from your account.  At present, the court costs have not been deducted from the payment you made towards the rent.'
    • Yay!! Plan to submit tomorrow. Thanks for all the support. I'm so out of my comfort zone. Will keep thread updated and continue reading. Just want them gone!   
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woolwich mortgage - adverse credit criteria


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I'm not sure where I should post this if I need to move it to another part let me know please :-)

 

Looking for anyone with dealings or knowledge of woolwhich lending criteria.

 

Situation is we currently have an off set lifetime tracker (0.03 above base) mortgage with woolwich at the moment soley in my husbands name. We are looking to move but porting the mortgage to keep the deal we have and will need to borrow additional to buy the new property, I now need to be added to the mortgage so my salary can be taken into account for the additional borrowing, but I checked my experian report and it shows 2 settled defaults one egg credit card £1800 which comes off June this year (defaulted June 2008) and one for o2 £280 which comes off next year (defaulted Sept 2009) with a score of 770-fair section

 

My report shows other satisfied credit paid off and closed with no missed/late payments on them, I have a dfs 12 month 0% sofa loan £316 left finishes june this year, no missed/late payments and a Halifax credit card balance £1860 which is close to its limit but make the minimum payment every month with no missed or late payments so my total owed is shy of £2200 but I'm at 97% of my available credit based on my credit card balance, pay more off I know didn't realise how it effected credit scores until now . I earn £22k take home with minimal outgoings, £600 give or take monthly.

 

Our LTV will be 68%

 

Now, woolwhich lending criteria says

 

Adverse credit as detailed below must be declined:

 

Any unsatisfied CCJ and/or

 

More than 1 satisfied CCJ and the latest is registered within the past 3 years and/or

 

Satisfied CCJs totalling more than £200 and the latest is registered within the past 3 years and/or

 

More than 3 satisfied defaults* and the latest is registered within the past 3 years and/or

 

Satisfied defaults* totalling more than £200 and the latest is registered within the past 3 years and/or

 

Any outstanding default, irrespective of amount.

 

*Includes partially settled defaults

 

Does that mean because my defaults are over £200 I will be declined, or the fact they are over 3 years ago am I likely to be ok?

 

Thanks

 

Also posted on mse so if anyone uses both

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Hi any default will raise problems when applying for a mortgage, but having 3or more will result in the app being declined.

 

 

My guess is your case will be border line but the near limit credit card account will have an effect on the decision 97% is certainly a danger level as there is no margin of safety.

 

 

I would appear that this is guidance on how a mortgage provider will view the app, BUT there are many more things that are taken into consideration including the potential lenders own in house credit profiling system.

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fitnesspt...I wasnt quite sure where to pop you.. so for the time being, I have parked you in mortgages and secured loans. If you think you might do better in another forum, let me or other ST member know and we can move you elsewhere :)

 

Purely administrative moves, you need do nothing.

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