[James Bradford]

...application? im not trying to be decietful, but im applying for a mortgage and im worried owning up to owing £14k will affect my chances. i can afford the payments. i checked myself out on 3 credit ref agencies and the debt was not there. and i have been checked out by bank as i have a mortgage in principle. just filling out form nowwhen my form goes to the underwriter, can this debt be found? it is not on my bank statements as i withdraw the amount and my wife pays it through her account for meis there any other way anyone can find it?i have found a house i wanttheres no way i can afford to clear the debt and it would take years. i dont want to wait any longer as i would be too old then for a mortgageand said i can make repayments on both

[joecephus]

If the three credit agencies don't have it,it will not show up,most of the time they only use one credit agency

[esterlydsl]

You are independent to take your decisions but it would be better to take the advise of some financial expert, rather then falling into any kind of trouble afterwords.