So i went through the whole process with Virgin and they offered me a mortgage, all in writting, 3mth shelf life.
Then i pulled out of house because it had retention attached and was going to take too much work to claw back retention.
A week later i found a new house for £46k (mortgage offer for £43k) vendor agreed, i spoke with my financial guy who phoned virgin and they said theextra £3 was well within my affordability, no problem.
Now when he went through the process with the new house details suddenly i dont meet there credit score and chucked me out of system.
Why did they credit score me again is question 1, question 2 is nothing has changed other than a miserable spend on a credit card which they prev didnt know about as it had a zero balance.
My experian score is 973 (out of 1000) and equifax 512 (out of 600) no late payments in last 2/3 years, and only 2 ever, but why was i successful 2 weeks and not now ??
Any help anyone? This house was perfect and now ive lost it (wellim sure i prob have)
Then i pulled out of house because it had retention attached and was going to take too much work to claw back retention.
A week later i found a new house for £46k (mortgage offer for £43k) vendor agreed, i spoke with my financial guy who phoned virgin and they said theextra £3 was well within my affordability, no problem.
Now when he went through the process with the new house details suddenly i dont meet there credit score and chucked me out of system.
Why did they credit score me again is question 1, question 2 is nothing has changed other than a miserable spend on a credit card which they prev didnt know about as it had a zero balance.
My experian score is 973 (out of 1000) and equifax 512 (out of 600) no late payments in last 2/3 years, and only 2 ever, but why was i successful 2 weeks and not now ??
Any help anyone? This house was perfect and now ive lost it (wellim sure i prob have)