H
here&now
Guest
Hi first time here and was hoping you could help, as the lady in fingal co co couldn't answer my question!
I want to apply for afforadble housing and I meet all the criteria apart from being able to actually get mortgage approval.
There is no way any bank is going to give me a mortgage, but I still have to go through the process of being refused twice. I know the council can give you the mortgage but they have to look at your credit rating as well and i highly doubt they would approve me.
To make a long story short I did a very silly thing and I got a car and 2 loans ( 1 bank & 1 C.U ) out under my name for an ex boyfriend, and although he made the repayments in the beginning he hasn't for the last 3 years. The car has been repossessed and I have ccj's on all 3 of the loans. For the last 18 months I have had no dealings with any of the places that I owe this money to. I've been told ( from friends ) that they have probab;y been written off. I did make some payments against these but could not continue to do so. There were court dates but I just didn't show up.
I know I should of continued to do so but i just didn't have the money and I was embarrassed at having to explain the situation to a room full of people.
Please dont give out to me about not paying them, thats not why I'm here.
My mum has offered to re-mortage her house and give me the money to buy an affordable house outright. And then I would pay her back each month. She has already been given approval for the amount I need and can go ahead and release the funds when ever I need them.
So will the council allow me to buy the house this way?
Since the house deeds will be in my name is there any chance of the 3 loans that I still owe coming back to haunt me? Could they force me to sell the house and give them the money from it?
I have no contact with the ex anymore, so there's no way of getting him to pay these loans and even if i did find him he'd never pay them. The last time i did speak to him he said " what loans?, I didn't take out any loans" and he hung up on me.
I want to apply for afforadble housing and I meet all the criteria apart from being able to actually get mortgage approval.
There is no way any bank is going to give me a mortgage, but I still have to go through the process of being refused twice. I know the council can give you the mortgage but they have to look at your credit rating as well and i highly doubt they would approve me.
To make a long story short I did a very silly thing and I got a car and 2 loans ( 1 bank & 1 C.U ) out under my name for an ex boyfriend, and although he made the repayments in the beginning he hasn't for the last 3 years. The car has been repossessed and I have ccj's on all 3 of the loans. For the last 18 months I have had no dealings with any of the places that I owe this money to. I've been told ( from friends ) that they have probab;y been written off. I did make some payments against these but could not continue to do so. There were court dates but I just didn't show up.
I know I should of continued to do so but i just didn't have the money and I was embarrassed at having to explain the situation to a room full of people.
Please dont give out to me about not paying them, thats not why I'm here.
My mum has offered to re-mortage her house and give me the money to buy an affordable house outright. And then I would pay her back each month. She has already been given approval for the amount I need and can go ahead and release the funds when ever I need them.
So will the council allow me to buy the house this way?
Since the house deeds will be in my name is there any chance of the 3 loans that I still owe coming back to haunt me? Could they force me to sell the house and give them the money from it?
I have no contact with the ex anymore, so there's no way of getting him to pay these loans and even if i did find him he'd never pay them. The last time i did speak to him he said " what loans?, I didn't take out any loans" and he hung up on me.