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Optima
Comments
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afzaal1988 wrote: »Sorry for hijacking this thread but i was wondering if Slayerx could answer my question.
I received mortgage offer in June and optima were instructed by Yorkshire bank. I have returned the questionaire and mortgage deed.
I had ERC until 3/8/14 so they waited and on 4th august they received redemption statement.
My question is when i log in on Optima it still shows as mortgage offer outstanding.
Could it be that they haven't updated or forgot to do it otherwise why would they get redemption statement?
Also they were instructed by bank and if they haven't received the mortgage offer why haven't they asked for it its been 6 weeks now almost.
Bytheway i have sent them email and i m still waiting for there reply.
Speak to Optima first they might not have the offer.
Optima work for the lender not the borrower and don't chaser offers as they get instruction from the lender and won't know when to expect it.
If they don't have it chase the lender/broker as from memory Yorkshire bank offers are valid for 90 days.Official DFW Nerd Club - Member no. 0650 -
Don't most "free legals" only start work when they get the offer?
Are Yorkshire Bank and/or Optima any different?I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
I got reply from optima today and they said they haven't received it so spoke to Yorkshire bank and they said they will get it faxed.Speak to Optima first they might not have the offer.
Optima work for the lender not the borrower and don't chaser offers as they get instruction from the lender and won't know when to expect it.
If they don't have it chase the lender/broker as from memory Yorkshire bank offers are valid for 90 days.
thanks for quick reply by the way.0 -
That was my point as well. But i think they still need it on paper even though the bank only instructs them when they issue the mortgage offer to customer.kingstreet wrote: »Don't most "free legals" only start work when they get the offer?
Are Yorkshire Bank and/or Optima any different?0 -
Not sure if it's changed but Optima get lots of instructions from lenders electronically and this generates the borrower questionnaire/authority regardless of having the offer.Official DFW Nerd Club - Member no. 0650
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