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BOS - will they let me change?
plane_boy2000
Posts: 1,482 Forumite
Bit of an odd one so looking for any other experiences / comments on this one.
My 2 year fix is coming to and end. Thinking that the rates would rise I decided to secure a new fix with my exisiting lender - BOS - a while ago. I got 5.89% for 2 years - not a fantastic rate, but my partner has been on unpaid maternity leave, and her income varies a lot as she works through an agency plus some of our other income is difficult to prove.
Anyway, I was offered this rate but told I would have to read the key facts statement etc before they could convert my mortgage. I called back and they tried to tell me that the rates had changed so I would have to have the higher rate. I argued that they had offered me the lower rate, and a day later they called back to agree that they would honour the original rate. Transfer forms came for me to sign, but they were wrong, so I called again to be told that it was a printing error and that my mortgage had already been switched to the agreed product despite me not signing anything..........
I have since called several times and asked that someone puts something in writing to me confirming the rate and payment due, but they keep telling me that they cant do that as the rate is no longer available, but they can confirm that it is all set up on my account.
As time has gone on they have launched a new product for existing borrowers which is 4.99% with a 1995 set up fee. Due to the size of my mortgage this is quite a bit cheaper for me, so do you think they will let me switch to this new product as my new prodcut does not start until the end of this month, and I have signed nothing to confirm any switch anyway?
My 2 year fix is coming to and end. Thinking that the rates would rise I decided to secure a new fix with my exisiting lender - BOS - a while ago. I got 5.89% for 2 years - not a fantastic rate, but my partner has been on unpaid maternity leave, and her income varies a lot as she works through an agency plus some of our other income is difficult to prove.
Anyway, I was offered this rate but told I would have to read the key facts statement etc before they could convert my mortgage. I called back and they tried to tell me that the rates had changed so I would have to have the higher rate. I argued that they had offered me the lower rate, and a day later they called back to agree that they would honour the original rate. Transfer forms came for me to sign, but they were wrong, so I called again to be told that it was a printing error and that my mortgage had already been switched to the agreed product despite me not signing anything..........
I have since called several times and asked that someone puts something in writing to me confirming the rate and payment due, but they keep telling me that they cant do that as the rate is no longer available, but they can confirm that it is all set up on my account.
As time has gone on they have launched a new product for existing borrowers which is 4.99% with a 1995 set up fee. Due to the size of my mortgage this is quite a bit cheaper for me, so do you think they will let me switch to this new product as my new prodcut does not start until the end of this month, and I have signed nothing to confirm any switch anyway?
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