Unexpected last minute charges £800

happybroker

please don't feel stupid....you have been unlucky with who ever has organised this for you that's all.

lv1109

Cranston wrote: »

it's your fault.

I don't think there was any need for that!

mrs_skint

Born with it I'm afraid - it ain't the first time and sure as hell will probably not be the last!

But thanks for cheering me up you lot!

Toughluck

Yes please don't feel stupid. Get someone else to do it as you may need to approach a lender again who only uses brokers. Just get them to tell you the costs involved before putting pen to paper.

Hopr completion goes well and this mortgage puts you in a better position.

minimike2

Are they rebating the commission back to you?

If not then that is utterly discraseful to be charging that amount.

mrs_skint

No I've been emailing them and they said that it is "out of their hands"!

payless

And there's me feeling all apologetic after charging £100 to advise on a none commission earning deal

mrs_skint

I'll hire you next time!

dwsjarcmcd

Personally I would expect a broker to either tell you that you needed to write to your lender giving 1 months notice, or do it on your behalf. They are being paid (a silly amount of) money to advise you.
If it was me, I would tell them that I was going to make a formal complaint on this basis unless they rebated the £800. If they don't refund it, then make the complaint.

To the poster who helpfully said 'it's your fault' - No it's not, as I've said, in my opinion it's the brokers fault!

mrs_skint

Thank you dwsjarcmcd

I'm gonna go on your advice. I will tell them I'm going to make a formal complaint and see what happens. I'll let you know. Thanks again.

Gloria