All my life I have been brought up to always tell the truth … if you tell the truth then surely nothing but good can arise out of situations eh?
Well I am currently experiencing exactly what happens when you do tell the truth and trust me it isn’t pretty!
When I came back from the hospital last year after being told I had cancer I was in a blind panic. I had been told the same week that I was already being moved onto half pay in work. I didn’t know at that point if I would need chemo or radiotherapy after surgery – I had no idea of how long I would be off work for.
I was a complete mess … I woke up on the Monday and started calling people and that included my mortgage company. I was 100% truthful with them and to be honest it has got me nowhere!
13 months after making that phonecall my credit file is in tatters. I reached out and asked my mortgage company for help with my temporarily reducing in payments and whilst they did agree to this I was in such a state on the phone that I did not fully comprehend that this would mean they would put a note on my credit file to say that I was behind with payments (even though I wasn’t)
Fast forward to October last year when Mr Sparkles and I were applying for a mortgage. I was declined during that appointment and that is when I found out what had happened.
I fought with the company to have them overturn this but they refused so I took it to the Financial Ombudsman who sided with them *Sad Face* At no point was I behind with payments and the small amount of arrears had been paid off months ago.
We decided to wait a further 6 months before applying again and this time our initial decision in principle was accepted *yay happy dance* … I sold my house and we had an offer accepted on another one.
Everything was finally looking good for us until we were turned down again by another mortgage provider. I swear why does things never go smoothly for me?
I never ask for much … I just want to move on with my life and put everything behind me – Is that seriously too much to ask for?
We are now awaiting a decision from the company with whom our original decision in principle was agreed with and its a horrible anxious wait.
So this brings me back to my original questions … Is honesty always the best policy?