📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Mortagage application checks

Options
upsydaisydo
upsydaisydo Posts: 2 Newbie
Tenth Anniversary Combo Breaker
edited 11 February 2010 at 1:26PM in Mortgages & endowments
My friend told me that her mortgage advisor has told him that as well as contacting his employer to verify salary details they also contact the tax office and national insurance. Is this a new thing or have they always done this? I don't think they did when I applied for my mortgage but didn't want to argue as I wasn't 100% sure. Would they have had to tell me if they did?
«134

Comments

  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    They have always done this if they think it is necessary to do so.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • boxer691
    boxer691 Posts: 184 Forumite
    They will also send your application to the National Hunters Limited and only when they decide that it's not dodgy will you get a mortgage. Sometimes the NATIONAL HUNTERS GET IT WRONG and you are screwed for 6 years but hey, thats Life I suppoose
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    boxer691 wrote: »
    They will also send your application to the National Hunters Limited and only when they decide that it's not dodgy will you get a mortgage. Sometimes the NATIONAL HUNTERS GET IT WRONG and you are screwed for 6 years but hey, thats Life I suppoose


    You have an axe to grind - I sympathise.

    However hijacking others threads is not going to help you resolve the matter really, is it?
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • boxer691
    boxer691 Posts: 184 Forumite
    What a stupid comment. If I can help others who clearly have a problem with something that they dont understand then what the problem. As it happens, I was alerted to the NATIONAL HUNTERS on this site by someone who "Hijacked" my thread. I was very grateful. You see the point?
  • boxer691
    boxer691 Posts: 184 Forumite
    You clearly have no concept of this site have you? The whole aim of the site is to offer an all informed site so that a wide range of users can benefit from it. Idiot!
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    edited 11 February 2010 at 10:49AM
    boxer691 wrote: »
    You clearly have no concept of this site have you? The whole aim of the site is to offer an all informed site so that a wide range of users can benefit from it. Idiot!


    :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

    Oh dear!

    So eloquent.

    Maybe you need to read the Forum etiquette... seeing as you are so well versed on what the board is all about
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • VIGILANT22
    VIGILANT22 Posts: 2,516 Forumite
    boxer691 wrote: »
    What a stupid comment. If I can help others who clearly have a problem with something that they dont understand then what the problem. As it happens, I was alerted to the NATIONAL HUNTERS on this site by someone who "Hijacked" my thread. I was very grateful. You see the point?

    By your posts you are feeling very aggrieved etc regarding your experience. However over the last couple of days your posts to some FTB's could be seen as alarming...I was going to post this yesterday but gave you the benefit of the doubt "bad day"...But now herbiesjp has picked up on it I also feel I want to mention it. You're probably acting in good faith to "warn" people, however as I have said it could alarm some people.....Peace Man....:beer:
  • boxer691
    boxer691 Posts: 184 Forumite
    Any thing that I have said about National Hunters is accurate and true, in fact most has been taken from official sources. Yes it is alarming isnt it, but not offensive, just the truth. I do however apologiese to Herbie
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    edited 11 February 2010 at 11:15AM
    boxer691 wrote: »
    Any thing that I have said about National Hunters is accurate and true, in fact most has been taken from official sources. Yes it is alarming isnt it, but not offensive, just the truth. I do however apologiese to Herbie


    Good man :) :beer:

    If you feel that strongly, why not ask the board to make it a sticky at the top of the board - just a suggestion.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • boxer691
    boxer691 Posts: 184 Forumite
    Thanks Herbie, Thats good advice and once again I'm sorry. I just want this company to be answereable to someone. They got it wrong with me and god knows how many other people they have screwed up. Sorry mate!
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture