Hi,
i recently applied for a mortgage with C&G,
having never had problems applying for mortgages before.
The mortgage was agreed in priciple, although they needed to write to employer to confirm commission earnings after around 3-4 weeks of too and fro.
Inbetween the times of applying and them writing to my employer,
i was offered a new job and current employer asked me to leave straight away,
and hence detailed "No Longer Employed" on the reference form from C&G.
They then took that as fraud and and think i was lying about employment details, and placed a CIFAS Cat 4 against me for fraud and forgery
(the forgery i dont understand as they wrote directly to employer).
I have written a letter to C&G saying i've never had bad credit,
never been declined a mortgage and have committed fraud,
however i need to re-mortgage the house and am looking at getting car finance around June time this year.
Am i stuffed, or will current lender let us move or re-mortgage if we have to
(considering we have over 2 years history with Halifax with no payment problems)?!
Really need to release some equity from house after doing it up,
and am worried that C&G wont do anything,
although i have been told that it should only last around a year if nothing else is highlighted?
Help appreciated.