Response to Do I apply for another mortage 10 years after repro?

I am not sure where you got the info but you *will* be on a mortgage blacklist for a minimum of 12 years, regardless. No it won't appear on your credit file, but there are two or three other sources the Lenders use and you will probably be on one of those. I say probably, because I have noticed that voluntary repossessions seem to avoid it sometimes? At least I know of two or two people who have gone on to get new mortgages after a respectable time period has elapsed (but have not admitted to the repo on the form, a questionable action I won't comment on!). I rather suspect you [we] stay on these hidden lists forever, but have yet to prove that theory. With regard to the Court papers, you may have difficulty getting copies as most Courts seem to be pretty quick to destroy any documentation held after 6 years, some after just three. They can apply for a waiver to destroy accumulating paperwork on dead cases and do so where the case was not criminal or referred to a higher Court.

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