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Jessica87

Will Halifax remember me from a previous debt?

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When I was in my early 20’s, I ran up a Halifax credit card bill as a student that I couldn’t afford to repay. They eventually solid it to Capquest as far as I recall and I made some repayments then stopped. it was maybe £1K-£2K.

 

Capquest stopped chasing me and six years later it dropped off my credit file. 
 

This dropping off happened 8 years ago so it’s been a while. I’m applying for a mortgage and the best deal from my broker has been from Halifax. They’ve done an affordability check but the official application hasn’t been made. 
 

Will they hold my young and irresponsible past self against me after all this time? Since everything’s computerised there is no reason for it to not come up. Will it matter?

 

Thanks all. Sorry if this is a regular question, I struggled with the right terms to search for. 
 

 

Edited by Jessica87

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2 minutes ago, London1971 said:

Nope

Thanks London, hope you’re right. 

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There is absolutely zero chance of this, it's off your file, debt been sold, don't have the data.  I had the same with Natwest, I was armpit deep with them 10 years ago, now they are inundating me with loan offers.


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5 minutes ago, London1971 said:

There is absolutely zero chance of this, it's off your file, debt been sold, don't have the data.  I had the same with Natwest, I was armpit deep with them 10 years ago, now they are inundating me with loan offers.

Thanks London, that’s definitely reassuring. This whole process is stressful enough, I don’t want to fall at the last hurdle!

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