Hello, I am looking for some advice. I applied for a mortgage in December after receiving a Decision in Principle earlier this year. I was disappointed for the application to be declined based on my credit file. I got a copy and noticed that a default from 2012 with Motormile had been moved to 2016, which is likely to be why the mortgage was declined as other than that my credit file is clear. I contacted Motormile who admitted to their administration error and said they would update my file in 4 weeks. After 4 weeks it wasn't updated so I chased again and they confirmed it would be done within 2 weeks. After 6 weeks it was finally updated. 2 days later I was about to submit my mortgage application again, went on to quickly check my credit report again and noticed the default has been updated again with a 2016 date! While all of this has been going on the seller has been getting quite upset (rightly so) and at this stage it looks like the house purchase will fall through because I can't secure the mortgage. I know if this default is updated I will get the mortgage though. does anyone have any advice on getting Motormile to fix this again and update the CRA's immediately, is it even possible? I have reported it to the ICO but I don't have time to wait on them investigating. Previously I raised notices of correction with the CRA's but they all came back to say they were not updating their records, even though I have correspondence from Motormile saying the date on my credit file is incorrect. Thanks in advance!

We have been fighting the bank regarding a 2nd charge on our properties. They ae currently seeking repossession (already had one adjournment as we were and still are negotiating!!). The question is this: We are unable to offer the full amount, however, we have been given an indication by a mortgage lender of what we can re mortgage for. We have offered this value in full and final settlement ( approx 72% of the total amount owed). We have stated that we will not process a mortgage application until we know if this would be accepted, to save unnecessary costs etc. There reply was for us to agree to a 28 day suspended re possession order as part of any agreement. But if we do this, is there not a part of the mortgage application process which states that if we do not declare this repossession order, then the application could be classed as fraudulent ?, OR if we do declare it, it would potentially disqualify us from making a successful application? By the way, they want us to agree to this prior to our newly arranged repossession hearing of next week, even though this agreement was only proposed this morning!! Help!!!! Any advice or suggestions are most welcome

Hello, I have a question regarding employment status and applying for a mortgage. How long my husband needs to be employee (how many months or years) to be able apply for a mortgage with me? We went to a mortgage advisor two months ago, she said that I won't have any problems to get a mortgage with my income only and my credit history but this its not enough for us to buy a house which we need. My husband is working but without any contracts/ agreement (so no pay slips, regular incomes, payments to his bank account) and now looks like situations will be change. He is starting to work full time as an employee having a good salary from the next Months so maybe is a chance that he can be included together with me and we will be able to buy a house which we really want and need. We don't want to wait one year, as there is no point to pay huge rent and paying someone's else mortgage. When we can apply together ? Many thanks in ADVANCE for all answers and help, as I am not sure if I will be able to back to the forum before Monday. p.s. additional helpful information: first time buyers deposit 10% my scoring checking Experian: excellent, Equifax - good (no loans, no late payment etc) my Husband scoring - we don't know yet