"Ever been given a different rate to the credit applied for?" poll results/discussion

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Poll Started 02 November 2009:
Ever been given a different rate to the credit applied for?
When you apply for a loan or credit card have you ever experienced being accepted, but being given a higher rate that the one you applied for (or a different card entirely)?
There’s currently a parliamentary investigation into this issue, see the flawed credit system MSE News story.
In the last three years, have you ever applied for a credit card or loan and been accepted but given a higher rate than the one applied for (or a different card entirely)?
A. Yes - on many occasions
B. Yes - once or twice
C. No - usually been rejected
D. No - usually been given the correct rate
E. I haven't applied for a loan/card
Please vote here, or click 'post reply' to discuss below. Thanks
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Ever been given a different rate to the credit applied for?
When you apply for a loan or credit card have you ever experienced being accepted, but being given a higher rate that the one you applied for (or a different card entirely)?
There’s currently a parliamentary investigation into this issue, see the flawed credit system MSE News story.
In the last three years, have you ever applied for a credit card or loan and been accepted but given a higher rate than the one applied for (or a different card entirely)?
A. Yes - on many occasions
B. Yes - once or twice
C. No - usually been rejected
D. No - usually been given the correct rate
E. I haven't applied for a loan/card
Please vote here, or click 'post reply' to discuss below. Thanks

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0
This discussion has been closed.
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Replies
But the real question asks the opposite: have you ever applied for a credit card or loan and been accepted but given a higher rate than the one applied for? - my answer should have been - no, usually given the correct rate
Conclusion - gigo
I currently have a complaint being considered by the Financial Ombudsman Service (FOS), against the broker I used and the building society I now have my mortgage with.
To cut a long story short, it appears that the broker applied for the wrong product, and therefore it would seem that the FOS is going to uphold the complaint against the broker; however, at the moment, the FOS is indicating that the broker will be held only 75% accountable.
I am being held accountable for the remaining 25%, which I consider to be quite unreasonable. The rationale the FOS has given is that I should have picked the error up from the Mortgage Offer. However, I did not receive (and it has been clear from the outset of the dispute that I did not receive a) Mortgage Offer from building society.
Any ideas, suggestions or guidance, with respect having the broker and/or the building society in question held fully accountable, would be very much welcome and appreicated.
Hi folks, we've realised belatedly that the way the poll is written is confusing as the original question and what's been asked don't match up.
Therefore this poll has been closed and the results void and a new rewritten one will be started up.
Apologies for this
Martin
Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.