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  • #31
    Re: British Gas Default

    You don't have to accept a new tracker mortgage, once your current fixed rate term ends, the mortgage will switch automatically to variable. At least that's what Santander do with my mortgages.

    Variable is much lower than your current fixed term mortgage.

    Can I ask, why "wont" Santander put you on to another fixed rate mortgage? they usually, just telephone and ask if you wish to be put on another one. if you say yes, its done. There are no checks as far as I am aware.

    So what has made then decide to decline another fixed rate and offer you a tracker? this bit confuses me,
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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    • #32
      Re: British Gas Default

      They won't due to our credit rating, that's what they have said- never missed a payment on the mortgage nothing, and our mortgage advisor has said that the other lenders have also declined on the credit rating. Monthly affordability doesn't come into play as we need less than 2 years ago and the equity in the house is now about £40-50,000, rather than £20,000 when we started.

      Sorry,I'm confused whether it's a variable or tracker?! :-/

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      • #33
        Re: British Gas Default

        variable rate is something that the lender sets and can change any time. a tracker, tracks the bank of england base rate above by a certain amount, can go up or down, which the lender can not change.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #34
          Re: British Gas Default

          I can't remember, I'll look it up!

          Comment

          • #35
            Re: British Gas Default

            Good news! I've had a message left on my voicemeail from somebody called Rachel who is going to be dealing witht he complaint on Mr Weston's behalf. She's looked into the account and has emailed the team to have the default markers removed from my credit file. She is aware that this request has been declined before but she is confident that under the circumstances this will now happen. She is away now over the xmas period and will call me when she is back in the office in the New year with an update! I will update again once I have heard from her- I don't want to count my chickens just yet, but hopefully we can now enjoy christmas! Have a good one all and I'll be in touch!

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            • #36
              Re: British Gas Default

              never hurts to poke the CEO

              Have a lovely time

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              • #37
                Re: British Gas Default

                Brilliant news, I am pleased A-Owen, have a Merry Christmas
                "If wishes were horses, beggars would ride"

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                • #38
                  Re: British Gas Default

                  Result!
                  When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                  • #39
                    Re: British Gas Default

                    Originally posted by A-Owen View Post
                    Good news! I've had a message left on my voicemeail from somebody called Rachel who is going to be dealing witht he complaint on Mr Weston's behalf. She's looked into the account and has emailed the team to have the default markers removed from my credit file. She is aware that this request has been declined before but she is confident that under the circumstances this will now happen. She is away now over the xmas period and will call me when she is back in the office in the New year with an update! I will update again once I have heard from her- I don't want to count my chickens just yet, but hopefully we can now enjoy christmas! Have a good one all and I'll be in touch!
                    Excellent keep us updated
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                    • #40
                      Re: British Gas Default

                      Great news! And obviously you saved this voicemail??

                      Just saying, it's spoken promises, not written, so if you haven't saved it, make sure you do now!

                      Re your mortgage, have you spoken to a broker? The above sounds like a complete re-mortgage. A whole of market broker would need only one credit check to be able to offer multiple lenders. There are a some good fee-free whole of market brokers out there if you look for them.

                      Good luck

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                      • #41
                        Re: British Gas Default

                        Hi, I've saved it- yes, and called to double check! I'm due a call in the next few days to confirm that this has all been done, and I will ask for some form of written correspondance from them confirming this too.
                        We use a mortgage broker already- We joined up to a lifetime of free advice with Connels when we bought the house 2 years ago, the guy we have seems very knowledgable. He has done a credit check but it's refused due the defaults on my account, and it's a joint mortgage. Hopefully now they have been removed we can have our pick of the best rates! Fingers crossed, but as the saying goes... It isn't over until the fat lady (Or in this case British gas lady) sings.....

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                        • #42
                          Re: British Gas Default

                          So a result! I've checked my credit report today on equifax and it says nothing about british gas- totally removed! Whoo hoo!! Thaks so so much. I have one more question- I have a default now with Gothia, for £124. I have never heard of them and from the looks of things, they have bought the debt from H and M for an online account I had with them, for some reason the payment wasn't made to H and m, am I right in thinking as they are debt collectors, they cannot defualt me, as they are not the original creditors?? I'm happy to pay what's owed or set up a payment plan, but this last defualt is still making my credit report poor, and I need to try and rectify this one too! Any advice appreciated!

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                          • #43
                            Re: British Gas Default

                            Gothia is a DCA yes, and they can default you if they have purchased the rights and you are one payment late, so best try and settle this one quick smart!!

                            well done with BG - result eh
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                            • #44
                              Re: British Gas Default

                              Tnanks to you Never-in-doubt! Advice to to settle this one- If its showing as settled, will this improve my rating- and what if I've not rec'd any correspondance from them- which I haven't??

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                              • #45
                                Re: British Gas Default

                                Is it a default? When did it appear, cos you never mentioned this last week, and which credit report does Gothia show on?
                                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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