Mortgage application depression :(

Dark_Jester

JA1000 wrote: »

Now they just borrow to blow it on the happiest day of their life.

Your out of order.

Dark_Jester

VIGILANT22 wrote: »

In FS's if you use the word complain verbally it has to be treated as a complaint...
QUOTE; You should know that!
don't start telling me what I should know and shouldn't...
You clearly know very little and you're now bordering between naivety and arrogance....it's little surprise you're receiving hardly any support on here....If you had come on here with a different attitude you wouldn't have rcvd half of the negative responses you have done.....

You're problem is you think you know it all and the reality is you know very little and you're not open to feedback...you have your own mind set...sure that will get you far in the world......

I have never claimed to "know the industry", it was you. What was your advise again, that I was "clueless and will never get an explanation from an underwriter"....well pal, if I get rejected again (which i wont) I will get a written explanation from a senior underwriter.

I am open to feedback, I just find it difficult to take from people who call me "clueless" because I believe in something they dont and people who make cruel sly digs about my personal life such as my wedding.

Go read my original post, what attitude do I display that warrants this level of abuse? Yes, I believe that when a lender rejects you we have a right to know why and how they rejected us - how else can we improve for the future? This was my original query, so tell me how exactly does that warrant being called "clueless" and for people to make fun off my personal circumstances? Yes my wedding cost 12k, so bloody what! Whats it got to do with you guys? what right do you have to make sly digs about it? The loan payments are easily affordible to us and we will get a mortgage soon enough.

Some of the comments have been out of order. I am disappointed since I joined this site seeking advise after hearing good things about it.

VIGILANT22

I never mentioned yr wedding...I never claimed you knew the industry as it is obvious you don't have a scooby....
quote: "well pal, if I get rejected again (which i wont)
every picture tells a story...this remark just fits your profile perfectly...

JA1000

Dark_Jester wrote: »

Your out of order.

You're!!!!

We are all just trying to help you keep perspective on this, we all want you to get this and you can't see it.

The whole point of this forum is for help, you can be sure that over 90% of OPs on here started by looking for help. Help can come in the form of advice and perspective.

Do you not think what if we had done this or that we would get this mortgage easily? The graduate loan has not been mentioned by one person, why? Because this is an investment.

I have never ever seen anyone on here questioning help on a mortgage BELOW their annual income and have it refused.

So we are all trying to give you the real life perspective.

JA1000

Dark_Jester wrote: »

I have never claimed to "know the industry", it was you. What was your advise again, that I was "clueless and will never get an explanation from an underwriter"....well pal, if I get rejected again (which i wont) I will get a written explanation from a senior underwriter. QUOTE]

Advice!!

Dark_Jester

JA1000 wrote: »

You're!!!!

We are all just trying to help you keep perspective on this, we all want you to get this and you can't see it.

The whole point of this forum is for help, you can be sure that over 90% of OPs on here started by looking for help. Help can come in the form of advice and perspective.

Do you not think what if we had done this or that we would get this mortgage easily? The graduate loan has not been mentioned by one person, why? Because this is an investment.

I have never ever seen anyone on here questioning help on a mortgage BELOW their annual income and have it refused.

So we are all trying to give you the real life perspective.

Then why the blantant sly digs about my wedding? I would have an easier time believing that you was only trying to help if you had not resorted to pathetic sly digs about my personal circumstances.

_Andy_

oh !!!!!! give it a rest the lot of you

Dark_Jester

VIGILANT22 wrote: »

I never mentioned yr wedding...I never claimed you knew the industry as it is obvious you don't have a scooby....
quote: "well pal, if I get rejected again (which i wont)
every picture tells a story...this remark just fits your profile perfectly...

"
"You're problem is you think you know it all"

I think that clearly justifies why I wrote that I never claimed to know the industry and that it was you who claimed that.

I am confident that I wont get rejected because both my self and my wife can afford the mortgage and the underwriter got it wrong. If they were so sure they would not have agreed to review it again, all this without me having to making an official complaint. I have a right to remain confident.

JA1000

You wanted to understand why you had been rejected for a £40k mortgage on an income of £57k

A third of your debts is attributable to your wedding loan, if you did not have this then you would have probably been granted the mortgage immediately. However you chose to get married which is commendable, however instead of saving up for the wedding you are likely to have to save up for the house.

You have savings of 9k but have not used this to pay any debt.

Have you chased the bank yet? if you don't push they won't rush.

Dark_Jester

JA1000 wrote: »

You wanted to understand why you had been rejected for a £40k mortgage on an income of £57k

A third of your debts is attributable to your wedding loan, if you did not have this then you would have probably been granted the mortgage immediately. However you chose to get married which is commendable, however instead of saving up for the wedding you are likely to have to save up for the house.

You have savings of 9k but have not used this to pay any debt.

Have you chased the bank yet? if you don't push they won't rush.

You see that is better especially compared to your previous posts taking sly digs and mocking my wedding expenses!

If you and some other forum members had this attitude from the start then may be this thread would not have become the joke it has.

No doubt someone will post saying its all my fault because of my attitude, but I would like someone to go back to my original post and tell me what I wrote that warranted people taking cheap shots and judgemental comments about my personal circumstances?