Dont Be Put Off By Advice

herbiesjp

carlrac

I'm glad you decided to follow the exact advice given to you on the board.

That is you did not go down the high street appying to all the lenders, and instead when to a fee free whole of market adviser. I'm sure you gave L&C more information that just a paragraph in order for them to base their recommendation on.

Well done (despite what your post above says)

I fear if you had gone it alone you could have harmed you credit file

I will re-state my position, whether you agree with it or not doesn't really bother me.

I personally, will not name lender names on the board. If a name is mentioned and I believe it could harm the OP I will normally give that warning.

If posters are looking for a recomendation on the open board,I will refer to a suitably qualified professional as per my signature

kenshaz

carlrac wrote:

A couple of months back I logged a couple of different threads relating to my need to remortgage to clear outstanding debts,currently being dealt with via a dmp with the CCCS.I have 2 defaults & a credit score of 485 which is classed as very poor.I was advised by several people on this column that I would be lucky to find another lender willing to lend below a rate of 8% & lucky to even to find one to lend at all!
Well,with nothing to lose but thinking I may be wasting my time,I tried London & Country & to my amazment they come back with a mortgage with the Abbey at a rate of 4.88% which we have now been formally offered,which I am over the moon with.:j
So anyone in a similar boat dont take everything you read on here as gospel go to a broker to see how the land really lies.

All my critics should now be silenced .I am always happy to name London & Country,some are afraid of the competition.I have sat back and watched,observe how this clique now closes ranks.

kenshaz

The Mortgage Guide: Free Printed or PDF MoneySavingExpert Guide Covering first-time buyers, buy-to-lets, and mortgages for those who have had credit problems. This is a free printed 30 page step-by-step guide to getting the cheapest and best mortgage (also available as an instant PDF download)

This forum is a talking shop,read Martin's article,and treat all posts as Joe Public regardless of their websites and links.

kenshaz

’s an open forum! Anyone can post so always exercise caution when acting on info.

Noz

kenshaz wrote:

All my critics should now be silenced .I am always happy to name London & Country,some are afraid of the competition.I have sat back and watched,observe how this clique now closes ranks.

Did you read the thread kenshaz?

kenshaz

Noz wrote:

Did you read the thread kenshaz?

This thread Yes. Some posters show resentment toward L&C,and are not happy with Martin's article in respect to them and see them as competition on this site,I believe in a balanced view as a non broker and when you promote that perception they join ranks and slam you down as has happened to this post stating their experiences.

Noz

then you'll understand why your comment that I quoted looks very out of place

kenshaz

I suggest that you re-read the thread .ie poster very happy with L&C,given contra advice by regular posts previously ,not rocket science.Do you work for an institution in the financial sector?

MortgageMamma

Kenshaz, some people are happy with L&C's services, ultimately if they were not l & c would be out of business. some people are not happy with the service. Each to their own I say.

I don't see them as competition as I operate completely differently, and neither do the other brokers on here. So here you go, hijacking a thread with your own bitter outpourings again. There has been no rank closing on this thread kenshaz, look back to my comments, and then find the posts carlrac is referring to and read them.

kenshaz

I told you that the clique would arrive ,like magic,and just read my post no personal comments ,just compare my post with the one above and all is revealed.I wish they could forget about me and just peddle their wares.Also watch how they support each other with clicking each others thanks .Also observe how she draws in the support of the other brokers,.The other brokers will now pile in.Also you get ,the want to be brokers ,who work for the institutions as tied advisor's who follow the trail of fish like sea-gulls giving additional support.