D
done_my_time
Guest
afternoon all.
I find myself at the end of line with an issue surrounding an application for a 1st time mortgage.
I took out a car loan in 2003 and fell behind on payments, in the end up i fell to far behind i couldn't catch up, but kept attempting to pay the loan when i could. and then the last year or so i was making regular payments but the account was still running in arrears, bank said they sent me aload of letters but turned out they had the wrong address(no fault of mine).
I cleared the loan in full in Aug2008. and have had loans since with credit union, credit cards x 2-3 more credit union loans.
I have been refused 4 times now for a mortgage, and the car loan is ruining mine and partner, kids, lives. I have nowhere to turn to.
i have got my latest icb report and it is crystal clean for everything, cards, loans. everything, not one missed payment on any of them.
BUT the car loan is still showing. it will be another 2 years untill its off.
I am trying to find out now is there anyway i can plea with the bank to clear it off as i have served 3 years of heart-ache not being able to get the one thing my family need.... a home that we can call our own.
if i cant fix this somehow, i feel there is no future for us as a family and we will just go are seperate ways.
sorry for the long winded approach but could think how to put this into words.
thanks for taking the time to read this.
I find myself at the end of line with an issue surrounding an application for a 1st time mortgage.
I took out a car loan in 2003 and fell behind on payments, in the end up i fell to far behind i couldn't catch up, but kept attempting to pay the loan when i could. and then the last year or so i was making regular payments but the account was still running in arrears, bank said they sent me aload of letters but turned out they had the wrong address(no fault of mine).
I cleared the loan in full in Aug2008. and have had loans since with credit union, credit cards x 2-3 more credit union loans.
I have been refused 4 times now for a mortgage, and the car loan is ruining mine and partner, kids, lives. I have nowhere to turn to.
i have got my latest icb report and it is crystal clean for everything, cards, loans. everything, not one missed payment on any of them.
BUT the car loan is still showing. it will be another 2 years untill its off.
I am trying to find out now is there anyway i can plea with the bank to clear it off as i have served 3 years of heart-ache not being able to get the one thing my family need.... a home that we can call our own.
if i cant fix this somehow, i feel there is no future for us as a family and we will just go are seperate ways.
sorry for the long winded approach but could think how to put this into words.
thanks for taking the time to read this.