Do we have to have a qualifying meeting?

anselld

chromofoam wrote: »

Haart are part of the national Spicer Haart group who will definitely be NAEA and Ombudsman members, and will also be regulated by the OFT.

HOWEVER - why not just take your current decision in principle, have the meeting with the mortgage advisor anyway because THEY MIGHT BE ABLE TO OFFER YOU A BETTER DEAL!!! And if it doesnt work out then you havent lost anything and you've gained a whole load more advice and information and you haven't !!!!ed off your agent and lost him/her a mortgage appointment which they need to get because they'll be targeted to book them.

Do yourself a favour and just go to the meeting!

Go to the meeting, disclose your income, size of your savings, your outgoings and other borrowings, the size of the mortgage you can afford to an advisor working for the vendors agents.

Not the best start to any price negotiation! :eek:

tbs624

googler wrote: »

No.

The TPO and NAEA codes of practice both state as such. Google them for confirmation.

If Haart are signed up to either, ask them why they're acting contrary to their own code.

If Haart aren't TPO or NAEA members, ask them why they think it's acceptable for them to act contrary to these generally-accepted codes of practice....

Quite apart from any Codes of Practice/Conduct EAs are required by statute ( Estate Agents Act 1979) to not discriminate by refusing to pass on offers if a potential buyer does not wish to go through the EA's own mortgage advisor

"Avoiding bias

You must not discriminate against potential buyers because they don't want, or might refuse, to take services from you or a connected person.
For example, you must not:

• refuse to provide information about a property to these buyers
• take longer to send property information to these buyers, compared to others
• set additional requirements, as a condition of passing on an offer, eg, forcing them to have a mortgage survey before you will pass on their offer to your client.

Buyers are free to obtain their mortgage advice elsewhere and then simply present the evidence of a mortgage offer to the EA.

When making an offer, subject to contract, always do so in writing to both the EA and to the vendor

WalkinX

Well we had the offer accepted in writing but someone has come in with a higher offer. They have come back to us to see if we will offer higher etc before saying if the other offer has been accepted.

We had someone looking into it and they reckon the agents may not being truthful with the work charges as apprently the last person who offered pulled out after instructing their solocitor to start and everything because of the services charges. Which she though t is weird as they would be told the service charge before they put an offer in.

as it is with risk of losing it at any mpoint I reckon we are gonna hold firm on our offer and if they wanna take the other persons offer and risk it they can and if it falls through they can come back to us.


So !!!!!!! hard to get anywhere. Only places with reasonable prices are repossions and you can lose them right up until exchange of contracts and the shared ownership scheme is ridiculous.