Confidentiality

Cacran

Daughter and partner, join mortgagees, have split up.
She needs to speak to the mortgage company. She does not want her conversations and intentions to be passed on to her ex.
She is going to a meeting with an advisor on Monday.
Would that Advisor be obliged to keep the conversations, confidential?

Thrugelmir

An individuals business is their own. Doesn't matter what the topic is.

Cacran

I have just spoken to the mortgage lender who say that they will not be able to keep conversation regarding the mortgage, confidential.

There lies the problem.

spadoosh

Nor would you want them to.

Lets assume he was doing the same, would you want information withheld from your daughter about what his intentions are?

Worth remembering that this could look really deceitful and the problems that can arise from such things.

Cacran

spadoosh wrote: »

Nor would you want them to.

Lets assume he was doing the same, would you want information withheld from your daughter about what his intentions are?

Worth remembering that this could look really deceitful and the problems that can arise from such things.

Yes you are right. I have rethought it. Thank you:(

kingstreet

So you're using "advisor" to describe an employee of the lender?

The mortgage is a joint and several liability for which both mortgagors are 100% responsible. It's impossible to see how something can be kept secret from the other?

Perhaps she would be better seeking independent advice?

ACG

The bank can not refrain from giving information discussed legally - do you remember all of those GDPR emails last year? Data protection laws prevent it. But unless the partner rings up and specifically asks, its unlikely to come out.

foxy-stoat

Why would the ex care, seeing as they dont want to live in the house and assuming wants to cut all financial ties.

Cacran

foxy-stoat wrote: »

Why would the ex care, seeing as they dont want to live in the house and assuming wants to cut all financial ties.

Why, indeed! He is mad because he wants the relationship to continue, so is making it as difficult as possible for things to move on.

Cacran

foxy-stoat wrote: »

Why would the ex care, seeing as they dont want to live in the house and assuming wants to cut all financial ties.

ACG wrote: »

The bank can not refrain from giving information discussed legally - do you remember all of those GDPR emails last year? Data protection laws prevent it. But unless the partner rings up and specifically asks, its unlikely to come out.

Sorry, but I do not quite understand what you mean.

ACG

There are Data protection laws and GDPR laws which mean if someone calls up to ask what information they hold about the person, they have to tell you (unless there is a legal reason why they would not - which would be things like fraud prevention or it affecting a criminal investigation for instance).

A prime example, if you call up or write in to your credit card company and ask what information they have on you, they will need to tell you everything they hold - which will include any notes added to your account. When I used to work in RBS credit card centre we would put notes on the account for example if people called up to say they would be on holiday and using their card abroad or if they paid late and wanted the late fee refunding, what reason they gave for being late and so on.