Abbey mortgage declined

mortgagenewbee

STILL no word from Abbey. ARGH!!!

happybroker

did you do this over the phone or in a branch? if branch then go in and go bonkers, they really wouldn't want someone complaining at the top of their voice in front of other customers and I would imagine it's a lot harder to fob some one off face to face.

if over the phone you really need to keep on at them, the service they provide is laughable unfortunately and feel sure that they will do pretty much nothing unless you pester the hell out of them.

mortgagenewbee

I sent my appeal in through fax. They handed it to the relevant person on the same day - friday.

I have been on the phone to them every other day but they havn't dealt with it. I'm afraid that if I call all the time they might just not bother with my mortgage. :eek:

happybroker

that person still needs chasing as they should have come back to you by now, it's not acceptable.

They won't decline to lend on the basis that you pester them, the decision will be the same but you will get there more quickly.

mortgagenewbee

Thanks for the advice.

I think I will call them tomorrow and ask for the advisers direct number (apprently her phone goes straight to voicemail) - she was the lady who submitted my application form and will be handing my letter to the underwriters.

happybroker

this isn't going to be your best course of action....you need to speak to the complaints department and not the adviser concerned or indeed the manager of the branch in which that adviser works in if that's the case.

You should have been issued with a document which gives you a number to call in the event of a complaint but in case you didn't this is the complaints line copied from their website, ring it and refuse to hang up until you are through to some one who confirms they will be able to help you, don't let them fob you off by asking for it in writing;

0845 600 6014 (Dial +44 1908 680123 from abroad) Fax Number: 0845 600 1378

mortgagenewbee

still nothing ... it's been 5 working days. I've been told to allow a maximum of 10 working days. :mad:

VIGILANT22

mortgagenewbee wrote: »

still nothing ... it's been 5 working days. I've been told to allow a maximum of 10 working days. :mad:

You're not shouting loud enough!

Conrad

Underwriters have back logs - there are less than half the number of lenders compared with 2 years ago, and the main players are inundated.

Shout of course, but remember to speed your case, they have to of course take a decision to slow anopther case. If this action was repeated on thousands of cases per day lenders would end up in a mess, and people who's cases were due to be actioned, would be usurped unfairly by the loud shouters - would that be fair if you were one of those knocked aside?

Most people consider thier case urgent - lenders are constantly informed of this by thier customers.

Shout by all means, but you'll be shouting at people that get shouted at many times a day.

VIGILANT22

Conrad

As the Abbey advisor/introducer didn't record/input the correct information in the first place and this is what has caused the delay...I think after 1 week the OP has every right "to shout"...this was a processing error (other ways it could be described!) on the behalf of Abbey, therefore this should be escalted and prioritised........