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Ash
Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
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Do you have to disclose old debt liabilities when applying

Customer Question

Do you have to disclose old debt liabilities when applying of a mortgage if they don't ask and its not on my credit file anymore?
Submitted: 2 years ago.
Category: Law
Expert:  Ash replied 2 years ago.
Alex Watts :

Hello my name is ***** ***** I will help you with this.

Alex Watts :

Could you please explain your situation a little more?

JACUSTOMER-p1p1zift- :

I am under debt management and pay a monthly fee. My credit file with experian is clear of my old debts because its been more than 6 years. I have asked a mortgage broker to try and get a mortgage for me I have told him everything and he came back to me with a mortgage proposal but he said that they never asked about debt management and they won't . Is it up to them to ask or me to disclose?

JACUSTOMER-p1p1zift- :

is anybody their ?

Alex Watts :

Does the mortgage questionnaire ask if you have entered into an arrangement with your creditors please?