AIP- Valuation fee???

AndrewSmith

I wish him luck Sparkle,

I think the reason they will not accept his valuation is that the surveyor most likely works for Colley's who have an association with the Halifax Bank Of Scotland group, as does the Birmingham Midshires. As such they may not class his opinion as impartial.

Andy

Jay1b

Incidentally Sparkle, you have a long list of debt on store cards there, have you looked into a card with 0% on balance transfers for 6 months or something? It will save you a small fortune!

*Sparkle*_3

AndrewSmith wrote:

I wish him luck Sparkle,

I think the reason they will not accept his valuation is that the surveyor most likely works for Colley's who have an association with the Halifax Bank Of Scotland group, as does the Birmingham Midshires. As such they may not class his opinion as impartial.

Andy

Well the customer services at housing association said i will need two, but my broker insisted he spoke to a manager, so someone is going to call him back hopefully with some answers!

Incidentally Sparkle, you have a long list of debt on store cards there, have you looked into a card with 0% on balance transfers for 6 months or something? It will save you a small fortune!

Thanks Jay,
I havent tried applying for 0% i dont think i'd get it, i think this because i have a lot of credit anyway.....

regularsaver1

I had a feeling that you may need to - wonder where I work

*Sparkle*_3

regularsaver1 wrote:

I had a feeling that you may need to - wonder where I work

so do you think that i should?

regularsaver1

I look after existing mortgage customers (not BM but as Andy said probably same valuers)- they come to me and sometimes want to buy the additional tranche/share and already have mortgage with lender for smaller share

From that they have had to have two valuations - one from housing assoication and one from mortgage lender

but maybe wait out for your broker

Good Luck

Jay1b

Thanks Jay,
I havent tried applying for 0% i dont think i'd get it, i think this because i have a lot of credit anyway.....

Usually they fall over themselves to lend people with bad debt more money. Think about it, a bad debtor is likely to be in debt with them for longer.

Trust me apply to a few (one at a time) i am SURE you will get one give you a card and accept the balance transfers at 0%.... Well if you apply and they refuse, what have you lost? But you could save a small fortune.

*Sparkle*_3

Well its offical i have to pay two valuation fee's!

One for the housing association and one for the mortgage company!!

regularsaver1

Hope it works out for you