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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Chances of Mortgage Approval


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I want to apply for a mortgage following a period of credit file clear up and wondered what my chances would be with the following:

 

Me:

I took some poor financial advice and decided to stop paying some unsecured debts in 2005/6,

these defaulted, went unpaid and became statute barred in July 2013

and dropped from my credit file the month after.

 

This leaves me with a 3 clean accounts and a Noddle Score of 4/5 and a Checkmyfile score of 789

- outside this I have a good job and can get together a 20-25% deposit with everything being affordable.

 

Partner:

 

Clean file, recently approved for vehicle leasing finance.

 

As I understand it my visible credit history would be fine with the defaults / debts not being visible on a credit search,

however the credit score could work against me?

 

Would I have to declare these debts on the mortgage application?

Would I be better going to a building society who manual underwrite mortgage applications?

 

Any advice would be greatly appreciated :)

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I think lenders are looking at 2-3 years good history, if your credit file has been clear for a good while. Have you any credit at the present time, where you are racking up a good credit history ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I've had a Basic Credit Building Credit Card since July 2013, which I uses for Work Expenses and have paid off in full every month and then a basic current account and Utility bills which are all up to date with payments and have 6 years worth of good management.

 

My partner has never had any credit up until a number of months ago.

 

We certainly wouldn't flag against any of the no-no on the the mortgage providers lending criteria's, just down to this "Credit Score" which I'm led to believe is hard to suss out.

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credit score matters little

 

 

if you've not defaults or 1,2,3 in any monthly summaries of any debts

 

 

the low score will prob be searches done or stuff like that.

 

 

tip:

my neighbour had numerous defaults until a couple of months back

he recently got a mortgage with a big lender with no issues

 

 

whats not on your file and in your past you don't tell them about!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I wonder if it would be possible to obtain a copy of the application form and see what information they ask for?

 

Or perhaps make a general enquiry and make it clear that is all you are doing at this time, you don't want some clown digging into your credit file if you aren't considering applying just yet ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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use a good reputable all of market broker,

 

he will know where best to place your mortgage application,

 

the less searches the better

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Citzen B - You can get both applications, lending criteria and affordability calculators for certain mortgage providers if you go in via the Introducers sections - but I am thinking of going in through a broker like John Charcol.

 

dx100uk - Defaults dropped off 19 months ago so its all positives, there's some audits and inquiries, but no actual searches since 2013.

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"but I am thinking of going in through a broker like John Charcol."

 

 

imo the right way to go

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I have a similar question although different circumstances so may be best in a separate thread?. I have a poor credit history but signifcantly reducing debt and reasonable savings. No defaults but a number of payday loans up to 2013. Was going to leave any application until 2016 to leave clear blue water. My partner has excellent credit record, substanital savings and very secure NHS employmentMy worry is that we do a joint-application that my poor history will "pollute" her excellent history (along with the other elements of embarassment with friends and family). I was thinking the best means may be for her to take out mortgage initially and then I could come on board at a stage where I am more likely to be accepted. Is this reasonable and do-able?

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I have a similar question although different circumstances so may be best in a separate thread?. I have a poor credit history but signifcantly reducing debt and reasonable savings. No defaults but a number of payday loans up to 2013. Was going to leave any application until 2016 to leave clear blue water. My partner has excellent credit record, substanital savings and very secure NHS employmentMy worry is that we do a joint-application that my poor history will "pollute" her excellent history (along with the other elements of embarassment with friends and family). I was thinking the best means may be for her to take out mortgage initially and then I could come on board at a stage where I am more likely to be accepted. Is this reasonable and do-able?

 

do-able if you are on the electoral role at seperate addresses, and their sole income meets the lenders criteria, otherwise wait

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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thanks oldrouge - yes her savings, job role and ability to get additional money from family would meet lending criteriawe would be on same address in a rented flat but that would not constitute financial relationship I would assume? e.g. no shared bank account or bills etc

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fine so long as no financial connections on your credit files

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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