u/mezzor

Our broker submitted our application on Tuesday afternoon, yesterday around 3pm she calls me and says Kensingtons underwriters are querying a default on my credit file from September 2025, this had all been explained to the broker previously but they’d forgotten about it.

Essentially it was with a utilities company who had agreed to remove all my status 6s in April following a complaint id made, they emailed confirming they would do so but it looks like they missed this one month.

I contacted said utilities company again yesterday who have emailed me to confirm the marker is a mistake and that I have NEVER defaulted with them. They said on the phone it can take 28 days for them to make the correction meaning that won’t be removed immediately.

Couple of questions really, 1 - why are Kensington using the word default when it’s a missed payment?

2 - Will the email I got from the supplier confirming it’s a mistake their end confirming I have no missed payments or defaults allow Kensington to override / ignore it?

All info was sent over to them yesterday but we’ve not heard anything yet and we’re just very anxious with it hanging over us over the bank holiday weekend 😞

We’re first time buyers and had an offer accepted today so have been speaking with our Broker this morning, we were going through the application process and he highlighted a potential issue….

45% of our deposit is being gifted from a family member, the issue is, they are my Wife’s Step-Aunt and her husband so it’s not an immediate family link.

Her Wife’s Grandmother re-married and it’s her Now Step-Grandfathers daughter that’s gifting us the money. The broker says they’ve never experienced that before and is unsure whether the lender will allow it which has now sent us into a bit of a panic. We’ve sent everything over document wise so the application process can start but we can’t stop worrying.

It’s a specialist lender due to some historic defaults on both our files so not sure whether that changes anything.

Has anyone been in a similar position and/or can call our nerves or are we finished and need to pull out?

We viewed a house yesterday marketed through Purple Bricks, it was listed slightly above our price top end budget but I wanted to see it as I’d heard PB go high with their valuations.

House was great, could easily see ourselves living there but I left thinking, there’s no way the house can be worth what they’re asking when compared to other sales in the area recently, add in there’s estate fees even though it’s freehold etc.

My question is, the house is listed for offers over £335k, how much over do PB usually go? Do they actually send anyone out to value it or is the price what the seller thinks it’s worth?

We’d be comfortable around £300k but think there’s too much of a difference to put that offer in currently without disrespecting the seller.