I will try to keep this brief but i really need some advice.
I have 2 ccjs from 5 years ago, one is settled, i also have a secured loan which is now unsecured which i am paying £10 per month for and will disappear from my file in April 2013 it shows on call credit and equifax, not experian. A mortgage account is settled, but again was in arrears for a while,
I have several smaller defaults, most of which are closed and settled but still showing on my file for a couple of years and i am in payment arrangements for all the recent ones which i will clear in the next 6-12 months.
I am up to date with rent and utilities, a vanquis visa card and my current accounts
The electoral roll is not showing with equifax and i have queried this. The council say its because my house has a name.
My husband announced last week he wanted to seperate, i have not done anything wrong and he has said he doesn't want me to have to live somewhere awful etc, i can stay as long as i want but I want to move out as soon as possible. The house we live in is tied to his job and we pay a small rent.
We got in this mess together when we were younger he had temporary jobs and we fell behind with things, i also didn't fully realise the consequences at the time, but stupidly most of it is in my name
I have seen a house, and my parents have said they will put up £40k towards it, my mum is retired and my dad retires in march, he has 2 other properties one with a mortgage and the house they live in is mortgage free.
They want to help anyway they can but cannot afford to buy the house outright.
The house is £80K so i need to get a mortgage for £40K i cannot afford to rent as the cheapest house is double what the repayments on a mortgage would be. I have been declined by a couple of building societies and am aware that repeated applications do more harm, what can i do?
Thanks in advance, :o
I have 2 ccjs from 5 years ago, one is settled, i also have a secured loan which is now unsecured which i am paying £10 per month for and will disappear from my file in April 2013 it shows on call credit and equifax, not experian. A mortgage account is settled, but again was in arrears for a while,
I have several smaller defaults, most of which are closed and settled but still showing on my file for a couple of years and i am in payment arrangements for all the recent ones which i will clear in the next 6-12 months.
I am up to date with rent and utilities, a vanquis visa card and my current accounts
The electoral roll is not showing with equifax and i have queried this. The council say its because my house has a name.
My husband announced last week he wanted to seperate, i have not done anything wrong and he has said he doesn't want me to have to live somewhere awful etc, i can stay as long as i want but I want to move out as soon as possible. The house we live in is tied to his job and we pay a small rent.
We got in this mess together when we were younger he had temporary jobs and we fell behind with things, i also didn't fully realise the consequences at the time, but stupidly most of it is in my name
I have seen a house, and my parents have said they will put up £40k towards it, my mum is retired and my dad retires in march, he has 2 other properties one with a mortgage and the house they live in is mortgage free.
They want to help anyway they can but cannot afford to buy the house outright.
The house is £80K so i need to get a mortgage for £40K i cannot afford to rent as the cheapest house is double what the repayments on a mortgage would be. I have been declined by a couple of building societies and am aware that repeated applications do more harm, what can i do?
Thanks in advance, :o