{"id":12642,"date":"2014-02-08T14:00:11","date_gmt":"2014-02-08T07:00:11","guid":{"rendered":"http:\/\/www.siamlandbank.com\/propertynews\/property-news\/the-black-marks-on-your-credit-record-that-can-scupper-a-mortgage\/"},"modified":"2016-05-11T11:19:51","modified_gmt":"2016-05-11T04:19:51","slug":"the-black-marks-on-your-credit-record-that-can-scupper-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/the-black-marks-on-your-credit-record-that-can-scupper-a-mortgage\/","title":{"rendered":"The black marks on your credit record that can scupper a mortgage"},"content":{"rendered":"


\nA poor credit record from a forgotten bank account can come back to haunt you, as one would-be borrower found outA bank account that Jennifer Munkley thought she had closed years before has come back to haunt her \u2013 and almost lost her the \u00a3220,000 house she is trying to buy. She is the latest person to discover to her cost that a relatively trivial historic issue such as a missed mobile phone payment or, in her case, a few \u00a35-a-month fees on an old bank account, can spiral out of control and jeopardise a mortgage.Munkley and her partner Paul Oliver, both first-time buyers, recently applied for a mortgage with HSBC after setting their hearts on a three-bed semi in County Durham. They both have good jobs, had saved up a deposit and met all the eligibility and affordability criteria, so they were shocked when their application was rejected. Continue reading…
\n
\nSource : theguardian.com
\nRead more…The black marks on your credit record that can scupper a mortgage<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

A poor credit record from a forgotten bank account can come back to haunt you,...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[1],"tags":[],"class_list":["post-12642","post","type-post","status-publish","format-standard","hentry","category-property-news"],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p75ss1-3hU","jetpack-related-posts":[{"id":86322,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/phantom-cash-machine-withdrawals-can-haunt-consumers\/","url_meta":{"origin":12642,"position":0},"title":"Phantom cash machine withdrawals can haunt consumers","date":"October 16, 2010","format":false,"excerpt":"\r You're sure you didn't take out that \u00a3240, but the bank insists you did. So what next?It's the moment anyone who regularly checks their bank statement most fears. You are looking down the list of transactions and spot one you don't recognise. A rogue cash machine withdrawal of more\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":4674,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/rbs-named-worst-bank-for-customer-satisfaction\/","url_meta":{"origin":12642,"position":1},"title":"RBS named worst bank for customer satisfaction","date":"February 13, 2016","format":false,"excerpt":"\r A survey by consumer group Which? showed the government-owned bank 21 percentage points behind First Direct at the top of the rankingsRoyal Bank of Scotland has been ranked bottom out of more than 30 rivals for customer satisfaction, despite pledges by the bailed out bank to improve its battered\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":60912,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/how-credit-score-agencies-have-the-power-to-make-or-break-lives\/","url_meta":{"origin":12642,"position":2},"title":"How credit score agencies have the power to make or break lives","date":"July 17, 2017","format":false,"excerpt":"\r Defaults on a file often mean lenders will say no \u2013 to anything from a mortgage to a mobile phone contract. So what can you do?Omar Nasser came close to losing his home when his interest-only mortgage expired earlier this year and his application for a new loan was\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":10758,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/first-direct-current-account-fee-takes-effect\/","url_meta":{"origin":12642,"position":3},"title":"First Direct current account fee takes effect","date":"February 4, 2007","format":false,"excerpt":"\r Less wealthy customers must pay a \u00a310 a month charge. Rupert Jones reportsFirst Direct's controversial \u00a310-a-month charge on current accounts takes effect this month. Customers who face paying the fee need to take action, if they have not done so already - unless they want to hand over \u00a3120\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":18134,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/property-developers-in-indonesia-celebrate-relaxed-mortgage-rules\/","url_meta":{"origin":12642,"position":4},"title":"Property developers in Indonesia celebrate relaxed mortgage rules","date":"June 30, 2016","format":false,"excerpt":"\r Developers and construction players cheer on lessened restrictions Image credit: Simon Nowak (Flickr) Indonesia\u2019s central bank has announced a loosening up of mortgage lending rules in a bid to defibrillate a sluggish economy and boost credit growth. Bank Indonesia (BI) will cut current down payment requirements for mortgages by\u2026","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":108281,"url":"https:\/\/www.siamlandbank.com\/propertynews\/property-news\/fed-holds-rates-steady-heres-what-that-means-for-your-wallet\/","url_meta":{"origin":12642,"position":5},"title":"Fed holds rates steady. Here's what that means for your wallet","date":"June 20, 2019","format":false,"excerpt":"\r Here's a breakdown of what Wednesday's Fed decision means for your bank account, mortgage, credit card, student loan balance and car payment.\r \r Source : cnbc.com\r Read more...Fed holds rates steady. Here's what that means for your wallet","rel":"","context":"In "Property News"","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/12642"}],"collection":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/comments?post=12642"}],"version-history":[{"count":0,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/posts\/12642\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/media?parent=12642"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/categories?post=12642"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.siamlandbank.com\/propertynews\/wp-json\/wp\/v2\/tags?post=12642"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}