Yorkshire Bank

cwright1985

Can anyone advise me please??

I banked with HSBC for a long while until they refused me a mortgage.

Yorkshire Bank then offered me a private account with a manger providing I got a mortgage through them. I needed a mortage and it was proving difficult due to the nature of my job so I accepted.

My house move unfortunately fell though and the mortage offer expired 6 months later. Around 1 year later, after renting for that period in the area near my new work, I tried to buy again.

This time round I was refused the same mortgage! I was told that they couldnt offer me anything because of my job. The same job as I orginally had when they did offer a mortgage.

I have since switched bank again as I only joined Yorkshire Bank because I was told I would get a mortgage from them in the first place.

Is this a reasonable case where I can try and get some compensation due to the fees I paid and huge inconvenience caused?

Regards

dunstonh

Lending criteria changes. At some points in recent times, it was almost changing on a daily basis. There were also some dates over the last few years where regulatory changes to lending criteria were needed.

In your case, there was around a year difference between the dates.

There are no grounds for complaint because a lender refuses to give you a mortgage.