A and L

benbenandme

Just sent all my documents back and the valuation is booked in for next monday

cbrpaul

mudbath , i would politely call them and explain , £25 is a meal for you and Mrs

Mudbath

Lol, i'm the Mrs and my other half is the Mr but I see what you're saying. Sometimes I think i'm just getting to tight with money but then why should they keep the £25....phone call time!

cbrpaul

Mudbath wrote: »

Lol, i'm the Mrs and my other half is the Mr but I see what you're saying. Sometimes I think i'm just getting to tight with money but then why should they keep the £25....phone call time!

oops sorry Mrs Mudbath ,

Mudbath

cbrpaul wrote: »

oops sorry Mrs Mudbath ,

:rotfl: Mudders to my friends! I've phoned them up and the £25 is being refunded!

cbrpaul

well done


I was thinking do you have mud bath fights then

slewts

I had a key facts illustration on the 23-3-09,called last night and they honoured the 5 year fix with no fee.Great result.
Thanks to the OP who made me aware of this.

cannyscot41

your welcome.remember as i said in my earlier thread about 2 weeks ago ,it really was/is a no brainer to at least get the ball rolling with this deal and get the details sent to you as you are not tied into any contract until you send it away signed, that gives you the option of looking for 28 days [thats usually how long the quote lasts] minus 7 days [err on caution for sending it away incase of any misshaps]=21 days to play with while looking at all the other deals on the market i reckon some people still have over a week or so to send their docs away.this i assume goes with any other lender people are with.cheers

amanda40

amanda40 wrote: »

!!!!!! missed it - I was told to phone back on the 31st as my deal is up on the 30th June - We are currently with the A&L on 5.49 % fixed for 5 years.

We do have a low LTV - about 40 %, so not sure if they will have anything else on offer for us - We revert to SVR at end of fixed, but would rather get on another fixed rate .

Phoned A&L yesterday and have opted for the 3.95% 5 year fixed with £999 fees:eek: It still works out cheaper than their 4.5 ( I think)with 299 fees. She is sending out the Key Facts and we have 3 weeks to sit on it but think we will probably go for it - a saving of arounf £50 on what we are just now. I asked if she needed a valuation ut she says according to the Halifax thingy she knows what our valuation is

How does this work - can anyone fill me iin? I wasnt sure if they just took valuation from 5 years ago then added a percentage on ( I was reckenoning on about 160,000 but she said she had it at £178,000!! so LTV rate down at 38%

cbrpaul

A+L new applicants please see this thread

http://forums.moneysavingexpert.com/showthread.html?p=20290439&posted=1#post20290439