Miss Muddle's UE Diary

[Miss Muddled]

Re: Miss Muddle's UE Diary

Blinking heck....sorry to hijack the thread guys, but my heart goes out to you all...
We have our youngest 20 now...born with heart issues....brilliant surgeons kept her with us......but she needs another replacement valve anytime soon....kind of puts these debt issues into perspective....
Thanks for sharing your experiences though, it gives strength from your courage.......

Highjack all you want steve...you right kinda puts debt issues into prespective, but these vultures make it a lot harder for us folk to cope and look after our loved ones, with thier hounding phone calls and threatening letters, they are not interested in whats going on in your personal life.

Wishing her all the luck in the world for a healthy life.....

That's what it's all about on here Steve, not just the technical stuff, but supporting each other. I guess we all have a story to tell
So sorry to hear your daughter's ill, hope she's ok .

Yeah..you right Elsa not just support with the techi stuff on here, the emotional support on here is priceless.

[SXGuy]

Re: Miss Muddle's UE Diary

Nothing can be worse than losing someone you love, when my dad died, everything else failed to compare.

In a way it actually gives you the strength to think F em all, rather than worry about it.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Can anybody advise us...we were thinking of applying for a recent copy of our Credit file, but I'm sure I read somewhere this can trigger DCA and such like.

As it has been nearly 1 year since hearing from HBOS (after Niddy intervened)
I am a bit scared to apply in case this sets them off contacting us again....any thoughts....

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Don't bother. No need is there...? Nothing on it affects you so its pointless applying....

Yes it can alert DCA's of your precence.

Hope you're keeping alright

[nanna58]

Re: Miss Muddle's UE Diary

xxxxxxxxxxxxxxxxxx"s

[Miss Muddled]

Re: Miss Muddle's UE Diary

Don't bother. No need is there...? Nothing on it affects you so its pointless applying....

Yes it can alert DCA's of your precence.

Hope you're keeping alright

Cheers Niddy, hope you and your family had a Great Xmas and A Happy New Year. I wasn't too sure how applying for Credit File worked and didn't want to ruin all your hard work from last year.

Was just being curious (Nosey), wasn't sure what was on credit file....been very long time since we applied for one.

Hope all is well at your end, Mr M not good over Xmas/New Year, however New Year ahead.....new specialist to see next week.

[Undercover Elsa]

Re: Miss Muddle's UE Diary

Hey MM!
Hope this year is a better one for you...good luck with the specialist for Mr M next week xxx

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Hiya

Good luck with Mr M. I do hope this year is better for him (and you of course)...

Finally got 1st Credit to post on that "A DCA Writes" thread - as you know all too well, sometimes the hassle just gets too much. It looks like they're taking on board the comments made

Regards credit file; you know it'll still be bad. I'd hold fire a year or two if you can. It's not likely you'd get accepted anywhere just yet, sadly. But give it time then you'll be able to get normal banking etc again.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hey MM!
Hope this year is a better one for you...good luck with the specialist for Mr M next week xxx

Hiya Elsa,
Hope Santa was good to you, many thanks for your kind words, thats whats so special about this forum everyone cares.....our fingers hands and toes are all crossed. Hope you have a Healthy, Wealth, Happy 2013.

Hiya

Good luck with Mr M. I do hope this year is better for him (and you of course)...

Finally got 1st Credit to post on that "A DCA Writes" thread - as you know all too well, sometimes the hassle just gets too much. It looks like they're taking on board the comments made

Regards credit file; you know it'll still be bad. I'd hold fire a year or two if you can. It's not likely you'd get accepted anywhere just yet, sadly. But give it time then you'll be able to get normal banking etc again.

Hiya Niddy

HOpe Santa was good to you too. Many thanks also for your kind words, as said to Elsa thats what this forum is all about, everybody cares so much about each other. Here's to a Guid 2013.

Here I go again dippity doo can't find the thread you talking about with 1st Credit, can you point me in the direction "A DCA Writes" Thread....only you could make them sit up and listen...glad to hear that they are actually taking your comments on board. Your one remarkable man....where would we and many others be without you and your AAD team.

Regards credit file: Not too bothered about changing banking etc... or ever getting Credit again, just was being nosey, wondered what was on it. It has been about 2 years since we applied, as you say not gonna help us anyway, better leave sleeping dogs lie...

I'll have another hunt on forum for that DCA thread..

Cheers for now
MM

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Linky --> A DCA Writes - Page 4 - allaboutFORUMS

[Miss Muddled]

Re: Miss Muddle's UE Diary

Does anybody know if our Daughter and Son-In-Law come to stay with us for a few months and they apply for a mortgage at our address would our Credit Rating affect thier decision ?.

The house they rent is being sold (unfortunately too expensive for them) so they need somewhere to live for a few months.

They did apply for a mortgage last month but was refused on the grounds of thier overdraft being too high, which they will get sorted out soon. They were advised to reapply in 3 months time when overdraft is paid off, but by that time they will be staying with us, and I am terrified our Credit Rating will affect them

My Daughter was bankrupt in 2006 (when she was a student) for 3 years but they were told this did not affect the refusal decision.

Any help greatly appreciated......

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Hi

Should be fine as there is no financial link with you and daughter. Obviously the BR needs to be a full 6 years old or it will still be visible and would affect things. It 100% would as you simply won't get a mortgage in this day and age with any trace if BR showing over the last 6yrs.

Best of luck for her

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Niddy

Hope things all well at your end and you and your family in good health.

Can't believe a year down the line since you first performed your miracle and helped us from the burning hole of hell, no contact been made whatsoever...since then.....TOUCH WOOD!!.

Soooo glad to hear that our Credit Rating shouldn't affect them they have been saving so hard to try and get a place, which is so hard in our area.

When you say BR has to be a full 6 years old would that be from the date the BR started or from end date....

The company (I think Nationwide) have said refusal on grounds of overdraft but if they come back in 3 months with it cleared they would reconsider, which I find quite strange as I always thought they never told you why you are refused. Or do you tink they are just saying that to pacify them.

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

When you say BR has to be a full 6 years old would that be from the date the BR started or from end date....

6 years from entry so 6 years and a day from the date of BR.

You say NW said it was due to overdraft, how much is she overdrawn? Thing is they could pay that off - no? If not then save enough over the next 3 months and pay it off then look to reapply but whilst the iron is hot I would be offering to pay it and reduce the monthly outgoings in favour of the mortgage.

[Miss Muddled]

Re: Miss Muddle's UE Diary

6 years from entry so 6 years and a day from the date of BR.

You say NW said it was due to overdraft, how much is she overdrawn? Thing is they could pay that off - no? If not then save enough over the next 3 months and pay it off then look to reapply but whilst the iron is hot I would be offering to pay it and reduce the monthly outgoings in favour of the mortgage.

Its her hubby thats got the overdraft of £2,000. Just now they have the deposit for the mortgage so they are going to pay the overdraft off this month, then find the £2,000 to put back into desposit (as they have to prove they have it). This will let them have 3 months clear bank statements to hand into Nationwide in 3 months time not showing O/Draft. As you say strike while the irons hot.....

However it's the fact of our Credit Score being so bad, that we are scared if they stay at our address that this would affect the decision - seeing they are already on thin ice with my Daughter having the BR in 2006/7 we can't quite rememer what year it started.

Cheers Niddy as always thanks for help......wee belated Xmas donation coming your way at end of month..xxxx