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Hi all, hoping someone can advise me a little.
Back in March I missed a loan repayment to Natwest. 100% my fault and now sorted. I also missed several payments to EE, for a wireless dongle.
However, I was told when taking the contract out that it was pay monthly, and after the term finished, if I no longer needed it, I could just cancel the DD and it simply wouldn't work.
I didnt recieve any correspondance until one angry letter demanding settlement, which of course I sorted and closed the account totally.
I am now trying to get a mortgage and this is giving me major issues. I have a broker who is confident she can get me a product as soon as FTB mortgages are reintroduced by the lender next month. They have seen my credit file etc so know everything.
My main issue is I really cannot wait - I am trying to leave an abusive relationship and have found a property for myself and my son. Prior to these incidents I had a good score and no missed payments showing. Is there any hope of getting either creditor to consider a GOGW and removing these late payments if I explain the situation?
I know I have more chance with EE as I was actually told factually incorrect information which is what led to the missed payments. However, with NW, the nature of my current relationship was a large factor in me missing the payment.
I have "proof" of the abuse as I have a support worker from IDAS and a police report has been made. My partner knows nothing about these or my plan to leave.
I would rather not be on tenterhooks waiting to see if my poor credit mortgage will be approved next month - the sellers have been wonderful and are happy to wait but I would just like more certainty I can proceed. I would also get away with a smaller deposit which would be great. I did have an AIP with NW but the credit file is whats stopping me going with a high street lender.
Thank you for any advice or thoughts.
Back in March I missed a loan repayment to Natwest. 100% my fault and now sorted. I also missed several payments to EE, for a wireless dongle.
However, I was told when taking the contract out that it was pay monthly, and after the term finished, if I no longer needed it, I could just cancel the DD and it simply wouldn't work.
I didnt recieve any correspondance until one angry letter demanding settlement, which of course I sorted and closed the account totally.
I am now trying to get a mortgage and this is giving me major issues. I have a broker who is confident she can get me a product as soon as FTB mortgages are reintroduced by the lender next month. They have seen my credit file etc so know everything.
My main issue is I really cannot wait - I am trying to leave an abusive relationship and have found a property for myself and my son. Prior to these incidents I had a good score and no missed payments showing. Is there any hope of getting either creditor to consider a GOGW and removing these late payments if I explain the situation?
I know I have more chance with EE as I was actually told factually incorrect information which is what led to the missed payments. However, with NW, the nature of my current relationship was a large factor in me missing the payment.
I have "proof" of the abuse as I have a support worker from IDAS and a police report has been made. My partner knows nothing about these or my plan to leave.
I would rather not be on tenterhooks waiting to see if my poor credit mortgage will be approved next month - the sellers have been wonderful and are happy to wait but I would just like more certainty I can proceed. I would also get away with a smaller deposit which would be great. I did have an AIP with NW but the credit file is whats stopping me going with a high street lender.
Thank you for any advice or thoughts.
