u/Sadie_UK

Hi all, needing calming down more than anything and some real advice.

I'm currently going through a mortgage application with my partner, lender has come back and asked for an adverse credit explanation, which confused me immediately as I have no 'bad credit' at all.

I looked into this, I had an issue with my mobile company (three) when setting up a direct debit back in January, this has caused 2 missed payments on my credit file (Feb & March) as they kept taking the direct debit on an incorrect date, which caused my account to overdraw but I'd then assure I put money into that account once overdrawn so that the payment didn't bounce. Looks like I was wrong regardless! For context, this is a bill that comes out of my account, which is rarely used until my pay goes into it.

Is this going to affect my mortgage offer? I'd rather be told completely straight!

(For reference I have no other missed payments, defaults, ccj's etc!, this is sititng on my 'low impacts'.

I'm a big lover of British TV, I have a few comfort watches including Here We Go, Motherland, Amandaland, Benidorm, This Country, People Just Do Nothing, and the majority are always BBC and can't go wrong with their comedies. After seeing Big Boys get a BAFTA on Sunday it reminded me I needed to watch it, (I'd been putting it off as I've had 2 big losses in the past 12 months and I knew it tackled grief) and oh my god. If you haven't watched it, put it at the top of your list. The niche British pop culture references, the writing, the song choices. It is an absolute masterpiece that truly reminds us that within grief to always look for the joy. Never agreed more with its 100% rotten tomatoes score.

Did anyone else love it? Did anyone oddly hate it? I just need some conversation about it!

Hey all, I'm in central tomorrow and wanting to try out some viral food recommendations that are actually good! Anything thats quick and that I can eat whilst mooching! Only place I plan on going currently is Humble Crumble!