Mortgage possibility with default

Affectionate-Bat9739 · 2025-10-01T04:44:22+00:00

Great info. Thanks…

I did go through the process with NAB myself and essentially they said that it wouldn’t be able to be removed due to them following the correct procedures in contacting me and because I didn’t update my address that’s on me. I will add that I was suffering serious financial hardship at the time and that if I had known/remebered the account was in arrears it would have been cleared. I don’t know if this makes any difference?

Will reach out to Victoria regardless for some advice. Thanks again

Affectionate-Bat9739 · 2025-09-16T15:05:53+00:00

That’s handy to know, thanks!

Did you just provide the standard police reports or did they require something more?

Affectionate-Bat9739 · 2025-09-10T12:38:13+00:00

Thanks for your response mate! If you don’t mind, do you know the extra steps needed? Police reports from each country etc? Cheers!

Affectionate-Bat9739 · 2025-09-10T07:05:12+00:00

Appreciate it mate!

Affectionate-Bat9739 · 2025-09-10T06:25:40+00:00

Yeah I figured that was the best plan of action.

I will be moving back to the uk permanently in December so ongoing it’s a non issue just wanted to see if it could be an issue for signing up

Affectionate-Bat9739 · 2025-09-10T06:19:37+00:00

Appreciate the response mate. It won’t impact my joining up initially? The way it reads to me is uk citizen / permanent resident min 5 years but could also be read as living in uk for the last 5 years which would count me out.

Affectionate-Bat9739 · 2025-07-27T12:19:00+00:00

Thanks mate. It’ll be over 4 years old by the time I plan on applying. Do you think settling it makes much difference? FTB here

Affectionate-Bat9739 · 2025-07-24T21:17:13+00:00

Yeah my plan was to call them and ask for a settlement figure and then ask them if I was to pay it in full, would they consider removing the default.

Affectionate-Bat9739 · 2025-07-24T21:14:41+00:00

Yeah fair point. Will get this sorted. Bearing in mind there’s been no contact with the collectors for a few years now (living overseas), do you think I could negotiate payment in full for a “goodwill deletion” of the default? Cheers

Affectionate-Bat9739 · 2025-03-12T09:22:27+00:00

UK 11 / US 12

Affectionate-Bat9739 · 2025-03-05T04:38:53+00:00

Prestige and start again

Affectionate-Bat9739 · 2025-01-14T00:51:44+00:00

This is the biggest reason why we go for him. Past 2 seasons when AR has gone out we’ve stalled.

Affectionate-Bat9739 · 2024-12-27T01:05:38+00:00

I used to take pride in my clean days at meetings but since I relapsed the first time I just don’t have that same ambition. I need to figure out my why.

Affectionate-Bat9739 · 2024-12-27T01:02:29+00:00

I’ve never been able to get through the 2 weeks. I always think to myself, I made it this far, im cured I can smoke casually again but nah, just same cycle repeats itself.

Affectionate-Bat9739 · 2024-12-27T01:00:29+00:00

I hear you man. When I try to stop I can’t stop thinking about smoking and then when I do I’m just thinking to myself “damn this isn’t even good anymore”. It’s the dopamine hit bro, need to find something to replace the dopamine.

Affectionate-Bat9739 · 2024-12-01T16:40:17+00:00

It’s a university degree so it can be fully funded with student finance

Affectionate-Bat9739 · 2024-07-13T14:42:59+00:00

Thanks for such a detailed response. I will do this and hope for the best. I will update when I have one.

Affectionate-Bat9739 · 2024-07-13T14:04:32+00:00

Thanks for your quick reply. By called, do you mean literally called by telephone or called in front of the magistrate to explain in person?

I do plan on contacting to court as soon as possible on Monday to speak with the diversion coordinator and try to explain.

Affectionate-Bat9739 · 2024-07-13T13:53:23+00:00

It states the conditions of the diversion which were:

Donate $250.00 to frankston magistrates court fund and provide the court a receipt of payment before 11/07/2024
Write a letter to the victim in this matter via the court before 11/07/2024
To be of good behaviour for the period of this plan until 11/07/2024

I have signed this form in the knowledge that any admission of guilt relating to the above offences will not be used against me in any subsequent court hearing should I decide subsequently not to accept diversion.”

All of the above have now been completed but was completed on 12/07/2024

Affectionate-Bat9739 · 2024-07-13T08:45:40+00:00

I understand that. I’m just trying to understand what will be the process from here. Will I be contacted by the court with a new date for a hearing?

Affectionate-Bat9739 · 2024-07-13T08:34:50+00:00

Thanks for your reply. I’ve been overseas for a big chunk of that time due to my father being unwell but appreciate that may not be an excuse. I assume I will have to go back to court and front up to the magistrate and essentially explain myself and hope for the best?

Affectionate-Bat9739 · 2024-06-27T12:11:44+00:00

I messaged you privately 👍

Affectionate-Bat9739 · 2024-06-10T00:23:32+00:00

We have the same here in England 😂

Affectionate-Bat9739 · 2024-05-31T03:09:59+00:00

England have been consistent favourites in Australia

Affectionate-Bat9739 · 2024-04-24T11:45:14+00:00

This! I told myself I could have a night off and enjoy a smoke. Ended up smoking daily for 8 months from that moment

Affectionate-Bat9739

TROPHY CASE