A and L

stolt

cbrpaul wrote: »

ah well so much for 1st class post,

nothing arrived today !!!!!!!

They emailed mine, you might still be able to phone them and get them to email it to you.

cbrpaul

called them and had KFI within seconds via email !!!

jamespmg44

cbrpaul wrote: »

called them and had KFI within seconds via email !!!

There was a problem with their email system last night so they were sending mine 1st class today.

Hopefully will have it by tomorrow otherwise i'll be giving them a call for an email!

sandspider2000

Paul, you have a private message...

Giles

cbrpaul

replied Giles

Mudbath

Just something else to check...if you don't use their insurance that's fine but they charge you £25 'administration'. I've just read the small print on the keyfacts and if you ask for a quote but they won't insure you then you don't have to pay the £25. They won't insure me because I work from home - only £25 saving but it all counts!

cbrpaul

so fees payable are

£30 electronic transfer
£25 if you decline their insurance ( admin fee, cant understand that 1 for not taking a service :rolleyes: )

I also note it states that if there is any additional legal work required , you will be charged for it.

As for the ERC details and overpayments , i think a lesson in " plain english" here maybe called for !!

Clare_Mc

My 3 yr fix with A+L at 5.24% is due to end in April and I found out that in the small print where it states I will revert to SVR over the remaining term it actually states the mortgage will be .99 above the BoE base rate - so my rate will presumably be 2.49%! while the base rate is so low anyone with this clause in their mortgage should stick with A+L as they clearly had not thought of the base rate plummeting so low when they put this in the terms.

dannykos

@Clare, does it actually say revert to the SVR, but then clarify it in the small print as a BoE tracker?

dannykos

So - I just had a call from A&L - and they have the valuation figure back. So to recap:

A&L Computerised Valuation = £181,486
A&L £95 paid for Valuation = £190,000

I needed £189,800 to get under 65% LTV - so GOOD NEWS!!!!

Needless to say, offer documents are on the way.