Hi all, great site btw, keep up the good work! I'm concerned over a friend of mine who sadly lost her home recently after Northern Rock agreeing to reduced payments, then went back on their word and said because of arrears mounting 3 months they where going for repossession. Originally (friend has letter confirming it) they agreed to add it on to interest over 25 yrs and consolidate it? (is that the word?). Basically, she was forced out of her home and had to take refuge in a little damp flat in an awful area just to keep a roof over her sons head (husband commited suicide just before repossession). The problem is, she is going to try and move to a nicer area asap (cash allowing) but is in catch 22 really. Councils request if you have mortgage arrears you will not be allocated a place how/have they the right to do that? do they do a credit check?, and letting agents always do a credit check before confirming you can move in etc with a ccj against her name and numerous other debts I take it that will go against her? The problem is the landlord is a real pig and she will be made homeless soon but doesnt want to get to that point. Has anyone ever experience this? You can mail me privatley if you wish as I know this site is for people who have been made homeless by those heartless B`s and im wondering how anyone else managed to find a home that wasnt let by a shadey landlord. she is in no position to pay anything back just yet as she is unemployed and in any case they never listened or helped before so we dont think they will now. can anyone help with advice on credit checks and how they work? thanks and love to you all, im sorry you have all had to go through rubbish because of evil moneygrabbing so and so's...(posted 7822 days ago)Ignore that guy too Eleanor! You go girl!
thanks
Julie