Help- Bristol and West are driving me potty!!

ellen.ellie

Hi,

This is my first posting- so please be gentle with me!!:A

I recently contacted my current lender Bristol and West as i am currently in the process of letting out the property i live in and am buying a house to move into.

To cut a very long story short they agreed to lend and gave me a AIP-however when the application was received -i got a call on friday to say that the application had been reviewed by an underwriter and i no longer met their criteria ( as i am self employed).

They apologised and said that they were perhaps prepared to lent if I could up my deposit and so i asked them to put the process on hold until i could discuss it with my partner.

After some thought -on monday i called them to say that i did not want to go throught with the application and that i wanted my paperwork returned to me which they agreed to do. I have since applied for a mortgage with another lender who is prepared to accept my self employed status.

My problem is that after checking my credit file today i noticed that the B&W have undertaken a credit check on me today- even though I told them on monday that i did not wish to proceed - also they have taken the valuation fee from my cc on monday!!:mad: :mad: :mad:

1. When do I stand with regard to the credit check and can i get this removed from my file?

2. Can I get my valuation fee back??

Help!!:eek:

Robert_Sterling_3

I am not optimistic.

You asked to borrow money.
You were given an agreement in principle.
They ran a credit check which cost them money.
We do not know when they initiated the check do we?
They did a valuation.
You dropped out.


It may well be that other more knowledgable posters than I will have a different and more welcome answer for you.

Good luck.

ellen.ellie

Sorry if i didnt make myself clear..

They actually took the payment for the valuation on Monday after i asked them to place the application on hold on friday...The valuation has not taken place..

They untook the CC today- wednesday!!:mad:

Robert_Sterling_3

Thank you for the further information.

_Andy_

The credit check was the AIP/application, there is nothing to remove.
Also one credit check really isn't going to affect things.

ellen.ellie

Just some feedback to let you know that the B&W have refunded my valuation fee and are removing their footprint from my credit file at both equifax and experian.:D

I have also recived a letter of apology from them letter today admitting their mistake of continuing to process the application when I asked them to put it on hold- yipee!!:j

Well done Bristol and West for being magnanimous enough to admit when you are wrong!!:T :T

Miss_Behaving

Bristol & West's admin is horrendous - we were sent someone else's morgage statement in error. When I phoned and told them they just asked me to tear it up and bin it!! Made me wonder who was receiving my finacial details.