Adverse Policy

Adverse Policy

• No CCJ’s or Defaults that remain unsatisfied within last 2 years unless communication defaults 
• No CCJ’s or defaults within last 2yrs, satisfied or unsatisfied over £300 
• No unsatisfied CCJ’s or defaults of more than £1000, registered at any time, 
• IVA’s or Bankruptcy discharged 3yrs ago acceptable, or registered over 6 years ago and satisfied, with no further issues 
• Debt management plans that have been repaid acceptable   
• No mortgage arrears in last 12 months 
• Previous repossession over 3yrs ago acceptable, provided no outstanding debt to lender and no other credit issue in last 3yrs. (requires letter from repo lender to confirm no outstanding debt)