I settled my shortfall with the Halifax about a year ago for about 13% of the claimed amount owing. This suited me at the time and they have marked my credit reference files with Experian and Equifax as 'satisfied'. Thanks for all the advice these pages gave me, it proved invaluable to me. If anybody wants any specific details of my case get in touch and I will assist where possible.(posted 8046 days ago)I am now ready to look for another mortgage but first want a few questions answering:
1. Will any of the high street lenders entertain the notion of giving me a mortgage? I don't want to end up paying over the odds for a few years with a specialist lender if this is not necessary, yet I am reluctant to go through a high street lender only only to find that their refusal gives me another black mark on my file.
2. Of the others, can anybody provide contact details of the 'Master' brokers as opposed to the ones that charge a huge commission for arranging a 'problem' mortgage.
3. I have been advised by a broker that if I request lenders to do 'no caps' credit searches there will be no records of the searches made on my files. Is there such a thing as a 'no caps search', what is it, and does it work in the real world that we all know?
Your responses will be greatly appreciated.