Mortgage application depression :(

Dark_Jester

ViolaLass wrote: »

It's nice if my husband brings me breakfast in bed, but I certainly don't have a 'right' to demand it.

Being regulated doesn't mean you 'have' to lend money. It just means that you have to do it in a certain way.

I hope you get what you're looking for but I don't think you have a 'right' to it.

read post no 79! I did get what I was looking for, or will get if I were to be rejected again.

nothing is impossible.

VIGILANT22

iamana1ias wrote: »

Barristers (and those that know them) tend to think they have a 'right' to everything

yeah but you'd think they'd remember their line of defence....:rotfl:

Today I have not made a complaint to HSBC yet.
Yesterday Posted by Dark Jester Past 32 Page 2 Our complaint seems to have been takin seriously

Dark_Jester

VIGILANT22 wrote: »

Posted by Dark Jester Past 32 Page 2 Our complaint seems to have been takin seriously and our application has been forwarded to a senior HSBC underwriter to be reviewed again.

So you did complain.....

For someone who knows the industry a complaint does not have to be in writing

I make you laugh!?:T
...I think you have one up on me! you're managing to make more than one laugh here.........

When I wrote "our complaint had been taking seriously" I meant that the duscussions that we had in his office seemed to have had a possitive effect on him. Of course I complained when I first heard I was rejected, I complained twice in his office. However, me moaning about the underwriters decision in his office is not an official complaint! Unless I tell him in person or in writing that I would like to make an official complaint he wont go down that route. You should know that!

When we left the office, the 2nd time, myself and my wife discussed the possibility of an official complaint privately at home but we had not yet made one in writing or in person to the manager. As far as the manager was concerned, when we left the 2nd meeting, we had finally accepted what happened and was moving on. It was the manager who contacted us thereafter to tell us that he has contacted the underwriters. This was not influened by an official complaint, since we did not make one, so his not going down the complaints route. He contacted the underwriters because he felt their decision was wrong.

The same goes for the senior underwriter who agreed to review our application again. Since we had not made an official complaint he had no reason to agree to do anything but he did. Prior to this, as far as the underwriters were concerned we had reluctantly accepted their decision and moved on. Since no official complaint was made, the underwriter was not forced to review our application again. He could have simply told us and the bank manager "No, is No" and left it at that. After all, this is what some of you here claimed would happen right? In fact some of you "experts" claimed I would not even get that far but I did!

Look, I see now that you are not big enough to accept that you have been proven wrong and you will no doubt keep arguing resorting to petty nitpicking just to save face. Dont be upset with me pal, it was not me who went around saying that "I understood the industry" it was you! If you give me ammunition like that what do you expect to happen when I prove you wrong?

Peace.

PS one of the reasons I came back was some of the kind PM I recieved from more mature sensible forum members.

JA1000

Can we start a sweepstake?

How many days will the underwriters leave this one on the desk to make it look like it is being reviewed properly? This is no more than a 30 minute task for them, I would be chasing by now if I was you.

However, your expression of dissatisfaction constitutes an official complaint, your one week acknowledgement should arrive shortly, hopefully. I say hopefully because then we get another 8 weeks of this and this thread has mileage.

Any TV producers out there?........... I have an excellent story line for a soap /comedy

I hope you get this mortgage (after the complaint) because then you can keep us up to date with the move.

VIGILANT22

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......

Wutang_2

Dark_Jester wrote: »

Your looking petty my friend! very very desperate....

I think you may need to go and get some help (mentally and mortgagey) rather than spend all day on here releasing your pent-up-I-got-rejected-by-HSBC anger.

Trollfever

I have been told that in the olden days couples used to save 10% of the purchase price of a property and then obtain a mortgage to buy it at around 3x income.


.

JA1000

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

Trollfever

JA1000 wrote: »

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

I have also been told that the average cost of a white wedding is around £15k and that the average cost of a divorce is also around £15k.

Marriage is a five year contract, but a mortgage is a 25+ year contract.

JA1000

I am assuming you would also use savings and borrow 12k then