Rbs Are Crap

movingforward2010

MortgageMamma wrote:

Abbey are very good with new builds, and you will find they work at lightening speed compared to RBS. Hopefully it will work out this time round for you - Abbey are quite lenient on assessing past adverse credit, they are the sort of lender who are happy to overlook a few little blips on your credit report, but where an ongoing adverse history is evident they will decline.

Did your broker get you an agreement in principle with Abbey or just go straight in with the application?

not yet it was friday afternoon so tomorrow we might have some answers, fingers crossed. :rolleyes:

MortgageMamma

good luck, let us know how you get on

have a good day

MM

Bargain_Rzl

Good luck giving them what they deserve!

At the time when I applied for my AIP, RBS were doing a 5-year fix at 4.99% which appeared to be a fantastic mortgage. As I, like you, knew I would be working to a deadline, my broker strongly advised me against RBS on the grounds that they are "notoriously slow on the uptake".

As it happens, the 4.99% deal was no longer available by the time I made a full application anyway. My application through Nationwide took all of three weeks.

movingforward2010

how much do u think ill have to pay my solicitor, if this all falls thro cause of RBS? he hasnt really done anything apart from sent me a letter asking whats going on

MortgageMamma

I don't know - have you paid your search fee's? You could call the solicitors up and ask if they work on a no completion no fee basis, as quite a lot do

Bargain_Rzl

As I've just posted on another thread, perhaps your solicitor works like mine - if the transaction does not complete they charge you at a certain rate per hour of the work they've done to date, up to a maximum of what they quoted you as a flat fee.

movingforward2010

total confusion!!!!!!!!! phone call from RBS after complaint email - they said ' this case has not been declined!!, 'none of our under writers spoke to any broker on friday' !!!!!! is going on? cant get in contact with broker either!!

help!!!!!

movingforward2010

btt..........bump

challengedavid

wxmlad wrote:

total confusion!!!!!!!!! phone call from RBS after complaint email - they said ' this case has not been declined!!, 'none of our under writers spoke to any broker on friday' !!!!!! is going on? cant get in contact with broker either!!

help!!!!!

they really do not have a clue whats going on, very unprofessional

movingforward2010

well............. finally got thro to our broker ( i could of got this on my own im starting to think:rolleyes: ) he says that the woman he spoke to on friday afternoon said cause my sisters photo driving licence was a provisonal one it wasnt acceptable as id, even know 3 months ago it appaerntly was, also my driving licence didnt come thro clear on the fax erm. this was actually sent at the end of june!!

RBS are phonong me at 8.30 in the morning with a decision or for more info (this has gotta be a joke!!) and it been moved to front of que , also the underwriter i spoke to didnt know the difference between a P60 and a P45 plus if a provisonal driving licence is an acceptable form of ID so i dont really hold out much hope of getting a mortgage from RBS- omg is this real!!?!?!:eek: