Losing my patience with Clydesdale - is anyone else dealing with them?

Thrugelmir

Jitterbug123 wrote: »

I had my offer through from Halifax within two weeks of applying, so not all other lenders.

So many different factors determines the outcome.

Everything will settle down in due course. No longer pile em high and push the offers out the door as fast as you can. As was the course with Northern Rock and HBOS used to do.

MMR was well publicised. So shouldn't really come as any surprise. Still early days in terms of getting systems running fluently.

Mortgage_Mark_2

Comparing Halifax to Clydesdale is like comparing a Ferrari with a Fiat....

There are pros and cons of each, Halifax for example are heavily technology reliant, meaning service is good but flexibility for cases marginally outside their criteria is virtually non existent. Clydesdale have a far more human based underwriting approach and therefore are good at agreeing sanctions on cases with the odd curveball, but their service is terrible.

8-10 weeks as an average for Clydesdale to mortgage offer, 4-6 for Halifax (usually less if no problems). Massive difference.

EdwardR_2

Clydesdale have some very good Relationship Managers (BDM's). Having a good Relationship manager on side can really help with Clydesdale. I use them alot because they are flexible with criteria.

glosoli

Daneeeks wrote: »

Also I made a complaint and have now been told my complaint will be investigated within 8 weeks! What an absolute joke!

As you are not a Clydesdale bank customer (whereas the broker is at this point) good luck with it

Daneeeks

Hey,

Good news... I had an e mail from my broker on Wednesday saying the mortgage had been offered and a copy of the fax was attached. I was told it was getting posted to me bad solicitor that say but like others I haven't received it yet :-(! Will be calling them first thing on Monday!