Brightsparx
New Member
- Messages
- 1
Hi,
I have 2 queries really....
I went into a personal insolvency arrangement in Oct 2016 and completed it in Oct 2022. Everything was done by the book, house was sold as part of the agreement and payments were all paid on time. There was some miscommunication and issues with paperwork within the bank as the PIP had everything returned and completed. Because of this my credit register shows a sign off date for Feb 2023 which adds an additional 6 months onto my credit register. After many phonecalls with the bank, PIP and Central Credit Register, and trying threats of getting legal action against the bank, to this day they still have not amended the dates which is quite disappointing.
Query 1: I'm not sure if anyone has had a similar issue and if so, did they found a way to get it resolved but if someone has then I'd be interested to hear how you went about it.
Query 2: Most importantly, I have moved on in life now, things are going well and myself and my wife are in good permanent jobs and we're looking to buy a house this year. I have heard people say you need to wait 2 years after the Insolvency and I have heard 5. Is there anyone out there who has a similar story that got a mortgage and how they went about it and how long they took to get it? Unfortunately for us, another 3 years puts us into our late 40's and a shorter lending period with higher repayments.
Thank you
I have 2 queries really....
I went into a personal insolvency arrangement in Oct 2016 and completed it in Oct 2022. Everything was done by the book, house was sold as part of the agreement and payments were all paid on time. There was some miscommunication and issues with paperwork within the bank as the PIP had everything returned and completed. Because of this my credit register shows a sign off date for Feb 2023 which adds an additional 6 months onto my credit register. After many phonecalls with the bank, PIP and Central Credit Register, and trying threats of getting legal action against the bank, to this day they still have not amended the dates which is quite disappointing.
Query 1: I'm not sure if anyone has had a similar issue and if so, did they found a way to get it resolved but if someone has then I'd be interested to hear how you went about it.
Query 2: Most importantly, I have moved on in life now, things are going well and myself and my wife are in good permanent jobs and we're looking to buy a house this year. I have heard people say you need to wait 2 years after the Insolvency and I have heard 5. Is there anyone out there who has a similar story that got a mortgage and how they went about it and how long they took to get it? Unfortunately for us, another 3 years puts us into our late 40's and a shorter lending period with higher repayments.
Thank you
