Nationwide rates changed! Doh!

snarffie

Following a meeting with their mortgage advisor two weeks ago, I phoned Nationwide every other day last week asking them to re-fix my mortgage for another 2 years, using the figures we'd worked out at the meeting. They never called me back despite my asking if I could just pay the reservation fee to secure the rate, as I was nervous of rises.

The thing that complicated all this is that my mortgage advisor was on holiday and I don't think anybody else wanted to take up my 'case', if that's the right word.

I find that today the rates have moved upwards, and still no fix on last weeks rate. I am livid! I've phoned them (again) to ask if an advisor can ring me urgently.

Any ideas as to whether I have any come back, if the advisor tells me that I have to go on the new, higher rate?

Thanks

lisyloo

Any ideas as to whether I have any come back, if the advisor tells me that I have to go on the new, higher rate?

Do you have dates, names and times of when you phoned?
If you do then you should make a formal complaint with all the details.

If you don't then take these details in future.
It's not difficult to write it down, but firstly they will take you more seriously (because they know you have their name) and it also helps to add credibility when you are making a complaint.

snarffie

Because it was only last week that I called, I think I could make a reasonably detailed account of the order of events. I also have the name of the person I spoke to (three times). I remember the line of my last conversation.... "if rates go up, before I get the fixed rate, I'm going to be pretty angry aren't I?...."Yes, sir, I appreciate that and will get someone to call you." :rolleyes:

I'll see what they say, when they call me after 2pm :rolleyes:

SPembo

Have you an application filled in and in process? Not sure if same applys, but Nationwide tried put me onto a higher rate when taking out a mortgage. We completed an electronic application over the phone, which was then posted out for me to sign, during this time rate went up even though i'd not signed or paid the fee. Nationwide let me have the lower rate after investigating via broker.

snarffie

SPembo wrote:

Have you an application filled in and in process? Not sure if same applys, but Nationwide tried put me onto a higher rate when taking out a mortgage. We completed an electronic application over the phone, which was then posted out for me to sign, during this time rate went up even though i'd not signed or paid the fee.

I didn't even get as far as getting the form to sign. That's what I was ringing them to ask for.

So you had all that trouble despite having had the forms?! Looks like I'm going to have real problems with this one!

Nationwide let me have the lower rate after investigating via broker.

You did the application it via a broker did you?

payless

rates changed as at 5pm last night ...

when they last changed, believe they were flooded with business ( talking new, not renewal) on last day, so many cases did not get logged on in time .... Head office was still able to issue on old rates

snarffie

payless wrote:

rates changed as at 5pm last night ...

when they last changed, believe they were flooded with business ( talking new, not renewal) on last day, so many cases did not get logged on in time .... Head office was still able to issue on old rates

Sounds promising. Still waiting for call...:whistle:

snarffie

Just come off the phone. Looks like they filled in the forms with roughly correct info on my behalf to get in before the rate change. They must have realised that I was getting edgy after the fourth call last week, so they just got on with it.

I now have to go through the details properly to update the application. Good on them, in the end, and all is forgiven, if not forgotten.

Now, I just have to ring the Credit Card dept. to see if they've found the £500 of mine which they 'mislaid.' :doh:

Thanks for all the help guys.

odowdchr

They've written to me 4 times in the last 3 weeks (existing deal expires on 31st July) urging me to get in touch to re-mortgage.
Spoke to local branch about 2 weeks ago, they were very busy, couldn't fix a Saturday appt. and promised a callback. Nothing happened.
My partner and I have both rung them numerous times during the day and we've been stuck in a queue everytime, then had to hang up after about 15mins (we're both at work..)

Last night at 7pm, we rang the free National number, explained that we'd been trying to re-mortgage for 2 weeks but absolutely cannot get to talk to anybody that's interested......the person took our mortgage number, put us on hold for 20minutes, then amazingly transferred us straight to our local branch number and we were put back in the same queue that we've been getting for 2 weeks. The branch shuts at 5.30pm...but this clown obviously wasn't bothered either way.
I filled in the "contact me" form on the website, told them what had happened, asked them to contact me asap if they could be bothered.
If I hear nothing, then i think i'd rather go somewhere else anyway.
It's no wonder they need to stick the rates up

tonydee

I appreciate they would have been busy but this is no way to treat customers. I've had similar problems with Abbey before and kept details of every call, letter, email I wrote and ended up getting compensation.

If you're not gtting the service you want, complain. Hope they improve for you soon.