Theft!

The kitchen hasn't even been installed yet. The house isn't even fully built either! its half a shell at the moment. The theft title was a bit tongue in cheek to be honest. I will keep an eye on the sale price and maybe pursue it from there. In terms of the mortgage RSC were told on two occasions from the finance director of Precise that we could have the mortgage but he apparently had relayed false information to RSC. Therefore I pursued the purchase of the kitchen from Persimmon based on this info as I had no other reason to believe that I wasn't going to get the mortgage at that point but at the point of signing for the kitchen Persimmon were aware that we still hadn't secured the mortgage. I suppose it was a risk on my part but I don't feel its fair that I am out of pocket here.

There was an issue with my credit file. Its a bit of a long complicated story to be honest but I'll try and explain. I was well aware of my credit file and told the broker at RSC of the situation and that we may need to pursue a mortgage from a lender that deals with people with bad credit. He suggested we use Precise as that was the lender they dealt with in cases like this. The reason for the defaults was I was made redundant and couldn't keep up with payments on a loan as well as pay for my mortgage so I set up a payment plan with the loan company. The broker was made aware of this and said that as long as the payment plan was 3 years old it shouldn't be a problem. He looked through our credit file and said to me he couldn't see a reason why we wouldn't be accepted. We could afford the mortgage and had more than the deposit required for a new build which we were willing to put down. We were originally told by Precise that we couldn't have the mortgage due to the payment not quite being 3 years old but instead of leaving at that they then advised RSC for us to re submit on the 1st of July which would make the payment over 3 years which we did as we were going on the advice of so called experts. It then turns out that the person (the finance director) who advised RSC to do this had given them false information and that we shouldn't have even been considered for a mortgage right at the very start. If we had been given the correct information from the start we would never have pursued the Mortgage, the house or the kitchen. I am not a mortgage broker or a financial advisor and I was relying on professional people who do this for a living to advise me on the best way to go about this which they failed at miserably. I have lodged a complaint with Precise through RSC but I'm not sure what else I can do. I also asked RSC to speak with Persimmon to explain the situation but this seems to have not been listened to by persimmon. I am at a loss as to why I have been left in the sh*t here whilst these three companies get away with messing me around and wasting my time and my hard earned money. As for getting a mortgage with a different company it was too late as we were due to exchange this month also I was told by RSC that I cant even begin to look at pursuing a mortgage until September next year and it could take up to 3 years until my file has updated. If I hadn't followed up on any of this after being told no I wouldn't have even known that any of this had even happened.

Le_Kirk wrote: »

Have you actually exchanged contracts and paid out any money on the purchase except your deposit? If not, it is hard to see how you could have "lost" the £1,275.

I'm not quite sure what you mean by this. I have paid out £500 to secure the house so that nobody else could pursue it which I will only get £250 back and I have paid £1275 for the upgraded kitchen which hasn't even been installed in the house yet as the house isn't no where near finished. How have I not "lost" any money here? I am out of pocket with nothing to show for it.