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Hypno's "me, me, me, me, me," diary.....
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Today, the computer at the halifax couldn't work out a simple LTV percentage, so I am no further on with the mortgage......it wasn't a case of "computer says no" but a case of "computer hasn't got a bloody clue".....and of course, no human can over-ride it.........**roll eyes smiley, come back, all is forgiven**
So, frustration continues.......as do the baby steps.......
Dear God, what are they using as their mortgage computer? A ZX81? :eek:"Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
It's a straightforward percentage calculation, beanie - one figure, divided by another.......
I need to borrow less than 80% of the value of the house.
I am actually borrowing 79.94% of the value of the house - except the computer makes the answer 84%
No one in the branch can work out why it won't get the right answer - there are only two parts to the sum, and both are definite numbers and not variable, so it shouldn't be a problem.
Obviously the computer needs to revisit basic numeracy........
Is it adding fees onto the loan?"Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
nope, am paying them separately......
No, no...is *IT* adding fees onto the loan, despite you paying them separately?"Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
No, no...is *IT* adding fees onto the loan, despite you paying them separately?
Not unless the fees come to £11000 ish, in which case I don't want to proceed with my application :eek:Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Not unless the fees come to £11000 ish, in which case I don't want to proceed with my application :eek:
That'll be the VAT increase...
"Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
"We were born and raised in a summer haze." Adele 'Someone like you.'
"Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky." OMD 'Julia's Song'0 -
Would you think of another lender?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
That'll be the VAT increase...
:eek::eek::eek:Would you think of another lender?
Not possible - I am on a fixed rate, for a few more years, so the penalty for moving is quite high (several thousand pounds still) so:
a) impossible to find that sort of cash
b) a very expensive "point" to make!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
stupid halifax...
Have been thinking about you everytime I have been out running I'll make a wish, take a chance, make a change And breakaway. I'll take a risk, take a chance, make a change and breakaway ....
Finally Debt Free...0 -
Sorry hadent picked up you were tied to Hellifax.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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