Mortgage declined due to wrong dob

Rashali121

csgohan4 wrote: »

You need a different Broker, something as simple as a DOB error is unforgivable tbh


But if my brokers at fault with my wrong dob surely tsb can't just change my dob without my permission can they?

Rashali121

David_White wrote: »

I'd hazard a guess that the broker isn't being completely honest with you here about what's gone wrong.

All is not lost yet so don't give up and as mentioned by the people above I'd suggest using someone else.

Thanks for your reply. I'm putting full blame on broker at mo. He thinks it's some one in tsb that have messed up my case. Unless he says to me there's something else in the background. I've told him Over and over again that there isn't.

Thrugelmir

Rashali121 wrote: »

I have been on the electoral register for 2years.

Some lenders may require a longer period. As it's address records that provide the link between credit accounts held.

Rich2808

Also sign up for noddle (https://www.noddle.co.uk) and clearscore (https://www.clearscore.com). They both give you a free credit score, credit report and credit reference details updated monthly so you can monitor any changes - it costs you nothing as they make their money by promoting credit cards etc which you are under no obligation to take advantage of. Its also all online so you can check it any time, They cover callcredit and equifax - so that's 2 of the 3 agencies.

There is no free experian equivalent - so that will cost you £2 for the credit report.

Rashali121

Rich2808 wrote: »

Also sign up for noddle and clearscore They both give you a free credit score, credit report and credit reference details updated monthly so you can monitor any changes - it costs you nothing as they make their money by promoting credit cards etc which you are under no obligation to take advantage of. Its also all online so you can check it any time, They cover callcredit and equifax - so that's 2 of the 3 agencies.

There is no free experian equivalent - so that will cost you £2 for the credit report.

I'm already signed up with them. Nothing bad on them too

Rashali121

Hi guys. Just a quick update

Rashali121

Hi guys. Just a quick reply. Heard back from tsb and they are saying they didn't decline due to dob. They are saying that they couldn't match the information from the mortgage application that the broker keyed in to what they (tsb) hold on there system. I've requested my mortgage application from the broker to see what doesn't match. Maybe I can appeal. The complaint handler at tsb is absolutely useless. He can't help answer my questions. I'm going to have to take it further with the ombudsman. I'm stuck now. I've lost out on my house. Hate all this stress.