Hi all.
I am completely new here and just looking for some advice please.
I bought a house in 2015 with no issues all went through with no problems.
I went to view a new house on Sunday and approached a mortgage advisor who was going to go through our finances etc and see affordability for the new place, financially i knew it wouldnt be an issue.
The advisor contacted me today to advise that I have an active CCJ on my account from 2014.
And that due to this he couldn’t get us the mortgage that we needed.
I download my credit report and there is a CCJ which I have never seen.
My credit score is in the excellent category so I never had any idea that anything was wrong,
I’ve never been refused credit in the time since it has been issued.
I contacted the court who issued it today and they advised the company who lodged the case,
I called them as I was already in a payment plan with them months before the date of the CCJ being filed.
They have advised that I can settle the balance and the CCJ will show as satisfied which is better than active.
Does anyone know if It’s too late to dispute the CCJ after 4 years of it being on file as I was making regular monthly payments to the student loan company before it was actually issued I did receive papers asking if I agreed to the amount owed and I stated that I did and was already in agreement to pay it back,
i then received a letter advising to continue with the arrangement
- no mention of a CCJ being issued.
If I pay the CCJ and it shows as satisfied does this make my chances any better of securing a better mortgage or is it a lost cause now.
Thanks for taking the time to read.
Ps sorry if I’ve done this wrong or it’s posted in the wrong section .
Nelly