Hi,
We are in the process of applying for our first mortgage.
We have had an offer in principle and put in an offer on our future home. We are using a mortgage broker and have begun the process of the mortgage application, we had a call from brokers assistant saying Abbey have some questions over returned direct debits on my personal bank statement.
It was a silly mistake on my part. I had asked for dates of bills to be changed so they didnt come through in the 2 days before payday, it was agreed and then didnt happen (it will happen next month, apparently) it took me by surprise and the DD's were returned to the bank. I have arranged payment with the outstanding bills and it very rarely ever happens (and you can see that on my 3 month statements I have sent in) but I am really really worried that this will put a spanner in the works and we will lose our future home because of it.
Any advise or insight into what will happen?