Hi there everybody
just like to introduce myself and say hi as its my first post on here but looking at the vast forum topics certainly wont be the last, has to be one of the most helpful and interesting sites around.
Anyway thanks in advance for any help.
My problem.
Applied last year for a mortgage and it was excepted no worries but unfortunately the house fell thru. We then earlier this year found another house for sale and put an offer in, which was excepted but all our mortgage applied for were declined. I have since found out that in December a default was put on my credit report, it was for a Lloyds current account which had a 600 overdraught but was 500 overdrawn. Its a long story but Lloyds called in the debt because no money was going in, but due to a house move and not receiving mail I never knew about it until the debt collection letter arrived , I payed the bill instantly thinking that was it ( how naïve) but obviously its now come to haunt us.
My credit score is 824 fair and is pretty good apart from the Lloyds default which is settled
my partners score is 999 and perfect
we are looking to buy a house for 170000 and we have a 25% deposit plus all monies for solicitors and fee's etc in cash.
Does anyone know a mainstream lender that might offer us a decent rate as the only one according to our broker (who I have gone off abit lol) is G.E. money and their rates are stupid and their fee's are stupid too.
Cant believe that such a small debt which was settled should make such a massive difference to me and my families future
Many thanks
steve
just like to introduce myself and say hi as its my first post on here but looking at the vast forum topics certainly wont be the last, has to be one of the most helpful and interesting sites around.
Anyway thanks in advance for any help.
My problem.
Applied last year for a mortgage and it was excepted no worries but unfortunately the house fell thru. We then earlier this year found another house for sale and put an offer in, which was excepted but all our mortgage applied for were declined. I have since found out that in December a default was put on my credit report, it was for a Lloyds current account which had a 600 overdraught but was 500 overdrawn. Its a long story but Lloyds called in the debt because no money was going in, but due to a house move and not receiving mail I never knew about it until the debt collection letter arrived , I payed the bill instantly thinking that was it ( how naïve) but obviously its now come to haunt us.
My credit score is 824 fair and is pretty good apart from the Lloyds default which is settled
my partners score is 999 and perfect
we are looking to buy a house for 170000 and we have a 25% deposit plus all monies for solicitors and fee's etc in cash.
Does anyone know a mainstream lender that might offer us a decent rate as the only one according to our broker (who I have gone off abit lol) is G.E. money and their rates are stupid and their fee's are stupid too.
Cant believe that such a small debt which was settled should make such a massive difference to me and my families future
Many thanks
steve