Nationwide - how i wish I had gone in branch versus online

amnblog

Keith99 wrote: »

Agreed they can always make it complicated but it is nothing a few calls can not sort out. I would rather have the extra money in my back pocket...

That is not Lafemme's experience which is the subject of this thread.


I am sure most buyers would rather have a mortgage offer in their 'back pocket'.

lafemme51

The latest mistake (which would not have happened via a broker). I went into town on Saturday and had a branch scan paperwork for me. They sent it to Glasgow it should have gone to Swindon!


Thankfully someone at Swindon is allowing me to scan and email direct to him the papers the branch were asked to send and he will upload for me.

Johnnytwostep

martinhogan wrote: »

Get your money out of Nationwide as fast as you can. They falsify their finance records and stole all my money. I have a letter proving it but I can't get my money back, they are thieves

Nationwide altered my account record and stole all my money and I can't get it back. The ombudsman says banks don't lie. How can I get my money back from the thieves? I have a letter confirming they refused to send my money to another bank.

I placed 2 orders online for delivery to but my home address on 12 Oct. This was cleared for payment.

On Monday 14th, at around 10 am I received an email saying one payment had been declined. I have since learned tha the block was placed on my account at 08.09 but I was able to use my card for other services during that day.

The company has approved a payment and then cancelled it two dys later, which indicates a fraud on their part, as the delivery was to my address and there is no reason for any delivery being cancelled

It was not until Wednesday evening that anyone from Nationwide told me that there was a block on my card, by which time another deliver, for a partial order that I had placed with another company a month before, had also been retroactively blocked.

Nationwide have never called me, nor returned a call or email, nor have they sent me a replacement card - my card is still working for in store transaction, even though they claim it is blocked because of fraud - they are unable to tell me anything about the alleged fraud.

I now have around £300 worth of unpaid debts on my card, with a bad credit reputation looming, along with a phone bill for 7 hours to Nationwide - they always take at least 20 minutes to answer the phone and pass me around

Nationwide have refused to call me, refused to explain why my card was stopped, refused to explain hy they have not paid outstanding bills, despite twice promising that they would do so

They have refused to explain their procedures, let me have copies of thei revidence - they began blocking my account in 2006 and have done so three times this year.

Although they claim to have written to me and sent a replacement card, neither has been received and no date is available for dispatch from Nationwide

Oh change the record, it is getting tedious. Stick to one thread, preferably your own, instead of multiple threads over the years detailing the same thing.

Keith99

amnblog wrote: »

That is not Lafemme's experience which is the subject of this thread.


I am sure most buyers would rather have a mortgage offer in their 'back pocket'.

So a couple of calls haven't sorted out his issues...? For me it did and I have a mortgage offer in my 'back pocket' without paying someone to help.

As you are a broker I'm not surprised that you are trying to paint a picture of people needing help and I think brokers can help and make it easier but it really isn't that complicated.

lafemme51

lafemme51 wrote: »

The latest mistake (which would not have happened via a broker). I went into town on Saturday and had a branch scan paperwork for me. They sent it to Glasgow it should have gone to Swindon!


Thankfully someone at Swindon is allowing me to scan and email direct to him the papers the branch were asked to send and he will upload for me.

Things have speeded up now. I have to say I do not have a lot of faith in them as a whole given you have to make your way to a branch who insist they've sent all the requested papers to the correct place only to find they have not. As I personally scanned and emailed what was needed and was able to send direct to someone at the mortgage centre the process has moved along nicely. They have a 48 hour turnaround from receipt of papers so I thought I had been set back to Wednesday, however, someone rang to say its now going to the senior underwriter and I should have my offer once valuation goes through. It's a shame you have to go via so many people to get the job done. One file, one person dealing, one person to ring you with queries not numerous people. If it was a 24 hour department I could understand the need for handovers but this whole system feels like a call centre for paperwork!

Mccarthywales

Hi All,

We are in a similar situation although we have not been waiting awfully long our time to turn around completion is very tight!

We have applied via a broker - porting two current nationwide mortgages so paper application had to be done

Nationwide process application and gave DIP on the 1st

Were due to move in on the 19th ... but firstly our first valuation appointment resulting in no one turning up ... I then had to kick and scream to get the next appointment on the 8th (instead of the 15th they first quoted!)

Then the valuation report came back not stating the words new build so that had to go back to be amended .... this took 48 hours to reach valuer and then another 48hours to go back to Nationwide.... and now they still have not looked at it since Friday NOON even though we were promised it would be looked at by close of business friday as solicitor wanted mortgage offer by Monday at the latest!

In between this when I called direct for an update they then said oh and were still waiting for your partners most recent bank statement .... they had our application along with all the proofs since the 1st .... they tell us this on the 10th.... and never thought to tell me or my broker.... only found out because I was chasing them recieivng new valuation report

They said they would look at our extra proof of bank statement by the close of business of the 11th .... surprise surprise still no ones bothered to look at it!

So stressed as we need to move on the 19th! otherwise the deals in the chain are all of plus ive paid out for removals , cattery, tiler, solicitors fee etc.

Just wish there was some urgency there not everything to go into a queue and promise we will look at it by end of the day .... for it to still be sat there 2 days later!:mad:

lafemme51

If you keep ringing them things do get done.

I've got my valuation arranged now so everything has been done as I was not prepared to pay £375 for a homebuyers report for underwriter etc to then say no to mortgage. I don't want to move until end January and I now know all my paperwork has been verified and underwriten.

I found the problem with the documents being dependant on who dealt with it from in branch not scanning all the papers you gave them or sending them to the wrong place to place to person dealing with a document telling you they didn't have what they needed and when you asked them to check it was there as I said it was. A bad process and let down when person you got didn't know what they were doing. Needs reviewing