Halifax help

Mitchellinman

Hi everyone,
Just after some help regarding our application.
We are first time buyers and have an offer accepted,solicitor approved,Aip done, survey and valuation done and accepted by halifax.
As you can see were 5 weeks on from our offer accepted and passed halifax's checks with flying colours, credit check passed on A1.
All they required was 3 payslips for myself (to prove bonus) and 3 for my partner (teacher but with extra pay for responsibilities which halifax take as supplement pay even though it's guaranteed)

These were submitted over 2 weeks ago! Nothing heard apart from the survey and valuation came back fine.
I then chased last Thursday to be told the pay slip doesnt match for my partner-this was a union day (school was closed) in July which appeared on this months pay £56 I think it was-they put a hold on the progress untill it was justified-this was a one off and we didn't even know about it untill the payslip came.

I have chased again to find my in house mortgage advisor from Halifax is away on holiday and it needs to be looked at again-they are making us sound like we have lied. I can see there point of view if it was a continuing deduction but as they can see by the other 2 payslips it was not.

Full application was submitted 3 1/2 weeks ago and I'm reading that there really fast from valuation, ours is very slow eveytime I phone they say its 3 days each time for people to look at it again.

What are you opinions? We feel really nervous now as everything was progressing smoothly.

Pidge_jen

We have just completed with halifax and were in a similar position to you, as my husband is paid weekly and partly paid in supplements. They basically said his income wasn't consistent enough even though I pointed out over each month he was getting the amount of money we declared on the application and it varied by less than £20 over three months.
We got it sorted but it required a lot of arguing and a formal complaint to do so, owing to our mortgage advisor going AWOL.
Give them a week and then get in touch with the complaints team, you will get a very fast response then!
It's stressful but worth it in the end

amnblog

You don't have too many options unless you ask to speak to your in-house adviser's manager.

A broker would have dealt with this minor issue for you.

Funny_old_game

Post no. 2......Why oh why is everything in this country complain complain complain when a lender is applying its policies and processes that the borrower don't like. Winds me up.

Mitchellinman

I'm not complaining, they have been very good so far, the in house mortgage advisor was very helpful and excellent at returning emails-they have been rather vague in communicating once the application has gone to the processing team though.

I suppose what my initial post was to seek advice on what we need to do, initially they just wanted to know what the amount was for, which we then explained, they seemed fine with that but now everytime I phone I get a different explanation.

In hind sight when we noticed it on the payslip we should have phoned them in advance (got the payslip in the morning and then we sent it the same morning) the thought never came into our minds.

We were last told there processing 3 days behind at the moment and it would be looked at Thursday and Friday, I wish they could have phoned me directly at the time so I could directly explain-that's the most irritating part.

Would you leave it and wait or contact them again Tommorow evening? I've been reading a lot and several posts say to chase every couple of days.

Mitchellinman

Update: they have found a discrepancy of £8 per payslip for the student loan repayments due to varying bonus-they have now asked for a full 12 months worth of payslips.
Is that normal?

Mitchellinman

Just to further add they knew all 3 amounts on the 3 payslips sent during application.