I was about to go and ask virginmoney for a mortgage but having done an online credit report/history check I have 1 settled arrears from 2008 (background: I emptied a current account that had a monthly fee, forgot the fee which then spiralled overdraft charges until I persuaded Alliance and leicester to let me off the 575 quid that had accumulated in 3-4 months).
I also have one late payment in 2007. The mortgage is roughly 3.9 times salary and I have a 70 ltv.
So does anyone know what virginmoney are like when it comes to bad debt? I'm a first time buyer and now worried sick :(
I also have one late payment in 2007. The mortgage is roughly 3.9 times salary and I have a 70 ltv.
So does anyone know what virginmoney are like when it comes to bad debt? I'm a first time buyer and now worried sick :(