wanagetahome
Registered User
- Messages
- 54
Tell me about it!I didn't realise all the to-ing and fro-ing re contracts and mortgage offers!
Thanks everyone,
I know it's not no yet, but at the same time, she was pretty positive up until the point when they brought this delayed payment to her attention again, since then she has been extremely negative and not at all hopeful.
Northdrum, the missed payment was just not paid by the direct debit, but was paid for in cash over the counter. My broker said that HFC bank are famous for giving people bad credit for minimal reason if the direct debit was not there. So its a case of why wasn't it in my bank account, and to be honest I cannot remember, I had credit cards/ loans at the same time and never missed payments with them so why the money wasn't there I have no idea. That was literally the only black mark on either of our credit reports.
I believe our Mortgage broker is going with ICS because she went to them for pre approval. she probably just presumed that it would be a done deal for us, because initially we were going to go for easisteps and we needed pre approval for that, so she only went with ICS then. This property came up as soon as we had pre approval and it was in the area I grew up in d16 so we decided to go for it.
i've tried to contact the estate agent, but keep missing her which is driving me crazy, because when i'm in work I just cannot take my phone, she leaves me a voice mail and then I call her back and miss her. I just hope I can convince her to ask the builders to hang on.
You recommend we organise our our life assurance now? our broker want us to use them to take it out, as they deal with Irish life, and they said that they wait until full mortgage approval is given. Maybe I'll just go for it anyway, to save time. I think I can arrange the inital phase online?
By the way or broker is based in D 24.
i will keep you posted, and I'd like to say thank you for answering all of my questions, this is really a fabulous site.
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