Santander Mortgage Customers

andyhart44r

frankw5 wrote: »

One thing you are correct on is that you aren't classed as being in arrears until it is equal or more than your monthly payment.

I`m right on all of it . And yes it will not effect your credit rating as it is not one months payment but will have an effect on your behavioural score.

You are jointly and severally liable for the payment of the mortgage. don't blame the bank if your partner screws you over. They have done the decent thing and provided you with a service, don't take it out on them

Correct and who it "taking it out on them"? All I am doing is highlighting a flaw in their policy which has a negative effect on customers.

What flaw? Your original statement was that they do not advise you if you are in arrears until you underpay by at least one months payment. THAT IS WHEN YOU ARE OFFICIALLY IN ARREARS - WHEN YOU ARE AT LEAST ONE MONTHS PAYMENT BEHIND!!!!!

In your own words:

"Santander, or at least the Abbey part, have a very annoying policy of not informing customers if they are in arrears on their mortgage, unless the amount is equivalent to or greater than one months payment."

So what you are saying is that they will advise you but only when you are in arrears. Stop whining about nothing and do something constructive like plan to get out of these so-called arrears