Vida Homeloans return to market?

Ismaimran

PTaylor87 said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Apparently working on the 1st March cases at the moment and they received all our documents on the 9th so hopefully not too much longer 

Is that the documents u re submitted

Yea we’ve had confirmation that nothing else is required so just waiting underwriters decision 

Fingers crossed for you 

Thanks appreciate it! Any further along with yours?

Yep just had a update today from MB.. vida have asked if the default has been paid off which its £945 so will have to pay that off know. But soo confused as there were well aware of the default if vida asked earlier I would  have paid off...a few years back I took out some home credit account for stupid reasons I've just paid them off know this... vida just keep the file sat on the desk for weeks and then come back after a few months asking questions every other day...

When was the default from if you don’t mind me asking? What would have happened if you didn’t pay it off? Was this the underwriter who’s asked about this?

It was a Barclay card credit card from 3 years ago..the broker said to pay it off he said that vida have asked if its paid off..

So what would have happened if you hadn’t have paid it off as I thought if defaults were over 2 years old it was fine but they’d put it on your monthly expenditure at 3% of the balance? 

Yeh that's what I thought but I asked the broker he said to pay it off as there have asked him again about it...I think at this rate the rules seem to be different for everyone as it seems. My husbands credit file is squeaky clean so still there not giving the benefit of the doubt and I only have one default which isnt alot of balance and few missed payments that I have told them y. But still have 100000 questions to answer 

How much mortgage are u taking out if u dont mind me asking. We are not taking much around 94k and we have more then 20% deposit too 

So the mortgage we need is 240k with 20% deposit and earn 80k between us 

So VIDA confirmed that they have got all our documents and is being underwritten but then have asked for more bank statements showing the build up of deposit over the year! Stressful if you’ve been saving for several years 

Was ur case not previously underwritten? 
When did u apply? 
Or is it just that there have requested more documents after having the case sat on their desk for months

PTaylor87

Ismaimran said:

PTaylor87 said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Apparently working on the 1st March cases at the moment and they received all our documents on the 9th so hopefully not too much longer 

Is that the documents u re submitted

Yea we’ve had confirmation that nothing else is required so just waiting underwriters decision 

Fingers crossed for you 

Thanks appreciate it! Any further along with yours?

Yep just had a update today from MB.. vida have asked if the default has been paid off which its £945 so will have to pay that off know. But soo confused as there were well aware of the default if vida asked earlier I would  have paid off...a few years back I took out some home credit account for stupid reasons I've just paid them off know this... vida just keep the file sat on the desk for weeks and then come back after a few months asking questions every other day...

When was the default from if you don’t mind me asking? What would have happened if you didn’t pay it off? Was this the underwriter who’s asked about this?

It was a Barclay card credit card from 3 years ago..the broker said to pay it off he said that vida have asked if its paid off..

So what would have happened if you hadn’t have paid it off as I thought if defaults were over 2 years old it was fine but they’d put it on your monthly expenditure at 3% of the balance? 

Yeh that's what I thought but I asked the broker he said to pay it off as there have asked him again about it...I think at this rate the rules seem to be different for everyone as it seems. My husbands credit file is squeaky clean so still there not giving the benefit of the doubt and I only have one default which isnt alot of balance and few missed payments that I have told them y. But still have 100000 questions to answer 

How much mortgage are u taking out if u dont mind me asking. We are not taking much around 94k and we have more then 20% deposit too 

So the mortgage we need is 240k with 20% deposit and earn 80k between us 

So VIDA confirmed that they have got all our documents and is being underwritten but then have asked for more bank statements showing the build up of deposit over the year! Stressful if you’ve been saving for several years 

Was ur case not previously underwritten? 
When did u apply? 
Or is it just that there have requested more documents after having the case sat on their desk for months

No idea as they said back in February it was with the underwriters and then asked for P60s and gifted deposit form and apparently was waiting for offer and then they’ve come back with this today to show build up of deposit so who knows what they’re doing or playing at 

Ismaimran

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Apparently working on the 1st March cases at the moment and they received all our documents on the 9th so hopefully not too much longer 

Is that the documents u re submitted

Yea we’ve had confirmation that nothing else is required so just waiting underwriters decision 

Fingers crossed for you 

Thanks appreciate it! Any further along with yours?

Yep just had a update today from MB.. vida have asked if the default has been paid off which its £945 so will have to pay that off know. But soo confused as there were well aware of the default if vida asked earlier I would  have paid off...a few years back I took out some home credit account for stupid reasons I've just paid them off know this... vida just keep the file sat on the desk for weeks and then come back after a few months asking questions every other day...

When was the default from if you don’t mind me asking? What would have happened if you didn’t pay it off? Was this the underwriter who’s asked about this?

It was a Barclay card credit card from 3 years ago..the broker said to pay it off he said that vida have asked if its paid off..

So what would have happened if you hadn’t have paid it off as I thought if defaults were over 2 years old it was fine but they’d put it on your monthly expenditure at 3% of the balance? 

Yeh that's what I thought but I asked the broker he said to pay it off as there have asked him again about it...I think at this rate the rules seem to be different for everyone as it seems. My husbands credit file is squeaky clean so still there not giving the benefit of the doubt and I only have one default which isnt alot of balance and few missed payments that I have told them y. But still have 100000 questions to answer 

How much mortgage are u taking out if u dont mind me asking. We are not taking much around 94k and we have more then 20% deposit too 

So the mortgage we need is 240k with 20% deposit and earn 80k between us 

So VIDA confirmed that they have got all our documents and is being underwritten but then have asked for more bank statements showing the build up of deposit over the year! Stressful if you’ve been saving for several years 

Was ur case not previously underwritten? 
When did u apply? 
Or is it just that there have requested more documents after having the case sat on their desk for months

No idea as they said back in February it was with the underwriters and then asked for P60s and gifted deposit form and apparently was waiting for offer and then they’ve come back with this today to show build up of deposit so who knows what they’re doing or playing at 

I know how u feel honestly...my broker has been saying its signed off just waiting for offer but I've been hearing it for a few weeks know and then vida come back asking for more documents
Its soo frustrating. Our offer on the house was accepting on September 6th it's been a long time and sellers are getting frustrated know 

PTaylor87

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Apparently working on the 1st March cases at the moment and they received all our documents on the 9th so hopefully not too much longer 

Is that the documents u re submitted

Yea we’ve had confirmation that nothing else is required so just waiting underwriters decision 

Fingers crossed for you 

Thanks appreciate it! Any further along with yours?

Yep just had a update today from MB.. vida have asked if the default has been paid off which its £945 so will have to pay that off know. But soo confused as there were well aware of the default if vida asked earlier I would  have paid off...a few years back I took out some home credit account for stupid reasons I've just paid them off know this... vida just keep the file sat on the desk for weeks and then come back after a few months asking questions every other day...

When was the default from if you don’t mind me asking? What would have happened if you didn’t pay it off? Was this the underwriter who’s asked about this?

It was a Barclay card credit card from 3 years ago..the broker said to pay it off he said that vida have asked if its paid off..

So what would have happened if you hadn’t have paid it off as I thought if defaults were over 2 years old it was fine but they’d put it on your monthly expenditure at 3% of the balance? 

Yeh that's what I thought but I asked the broker he said to pay it off as there have asked him again about it...I think at this rate the rules seem to be different for everyone as it seems. My husbands credit file is squeaky clean so still there not giving the benefit of the doubt and I only have one default which isnt alot of balance and few missed payments that I have told them y. But still have 100000 questions to answer 

How much mortgage are u taking out if u dont mind me asking. We are not taking much around 94k and we have more then 20% deposit too 

So the mortgage we need is 240k with 20% deposit and earn 80k between us 

So VIDA confirmed that they have got all our documents and is being underwritten but then have asked for more bank statements showing the build up of deposit over the year! Stressful if you’ve been saving for several years 

Was ur case not previously underwritten? 
When did u apply? 
Or is it just that there have requested more documents after having the case sat on their desk for months

No idea as they said back in February it was with the underwriters and then asked for P60s and gifted deposit form and apparently was waiting for offer and then they’ve come back with this today to show build up of deposit so who knows what they’re doing or playing at 

I know how u feel honestly...my broker has been saying its signed off just waiting for offer but I've been hearing it for a few weeks know and then vida come back asking for more documents
Its soo frustrating. Our offer on the house was accepting on September 6th it's been a long time and sellers are getting frustrated know 

I honestly don’t know what else they need now. It feels like we’ve sent them everything, furlough forms, gifted deposit forms, P60s, more proof of deposit, more statements, everything! Still no further along and in the dark 

Ismaimran

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Ismaimran said:

PTaylor87 said:

Apparently working on the 1st March cases at the moment and they received all our documents on the 9th so hopefully not too much longer 

Is that the documents u re submitted

Yea we’ve had confirmation that nothing else is required so just waiting underwriters decision 

Fingers crossed for you 

Thanks appreciate it! Any further along with yours?

Yep just had a update today from MB.. vida have asked if the default has been paid off which its £945 so will have to pay that off know. But soo confused as there were well aware of the default if vida asked earlier I would  have paid off...a few years back I took out some home credit account for stupid reasons I've just paid them off know this... vida just keep the file sat on the desk for weeks and then come back after a few months asking questions every other day...

When was the default from if you don’t mind me asking? What would have happened if you didn’t pay it off? Was this the underwriter who’s asked about this?

It was a Barclay card credit card from 3 years ago..the broker said to pay it off he said that vida have asked if its paid off..

So what would have happened if you hadn’t have paid it off as I thought if defaults were over 2 years old it was fine but they’d put it on your monthly expenditure at 3% of the balance? 

Yeh that's what I thought but I asked the broker he said to pay it off as there have asked him again about it...I think at this rate the rules seem to be different for everyone as it seems. My husbands credit file is squeaky clean so still there not giving the benefit of the doubt and I only have one default which isnt alot of balance and few missed payments that I have told them y. But still have 100000 questions to answer 

How much mortgage are u taking out if u dont mind me asking. We are not taking much around 94k and we have more then 20% deposit too 

So the mortgage we need is 240k with 20% deposit and earn 80k between us 

So VIDA confirmed that they have got all our documents and is being underwritten but then have asked for more bank statements showing the build up of deposit over the year! Stressful if you’ve been saving for several years 

Was ur case not previously underwritten? 
When did u apply? 
Or is it just that there have requested more documents after having the case sat on their desk for months

No idea as they said back in February it was with the underwriters and then asked for P60s and gifted deposit form and apparently was waiting for offer and then they’ve come back with this today to show build up of deposit so who knows what they’re doing or playing at 

I know how u feel honestly...my broker has been saying its signed off just waiting for offer but I've been hearing it for a few weeks know and then vida come back asking for more documents
Its soo frustrating. Our offer on the house was accepting on September 6th it's been a long time and sellers are getting frustrated know 

I honestly don’t know what else they need now. It feels like we’ve sent them everything, furlough forms, gifted deposit forms, P60s, more proof of deposit, more statements, everything! Still no further along and in the dark 

Yes we sent all up to date bank statements  wage slips..paid of my home credits too so sent proof of that too and explanations of adverse credit also. My husbands credit file is clean its just mine with a default and missed payments still there is no sign of offer 

Julietkmc

PTaylor87 said:

If you don’t mind me asking, who did you email in order to escalate? We’ve went off payslips after we were told nothing else was needed and then got told we then needed P60s which we sent and then got told nothing else was needed and then got asked for a gifted deposit form and have been told nothing else will be needed. It just seems like their dragging their heels for no real reason and it’s so frustrating. We were told it would be looked at mid January but has only just started being looked at now!

My MB emailed the Business Development Manager and the 'Ops leader'. I also asked my MB to forward on an email that I wrote. It would be easier for us all if they gave us the process, and then they followed it and kept us updated each step of the way. The frustrating things are being told one thing then something else happening. My deadline for an offer is Friday but I keep chasing and still no offer.
I did also put a review on google and got a response direct from Vida asking me to email their complaints department. I have not done so yet because that was the day I was told my case had been escalated but to be honest I wish I had as a week later and still nothing. I would suggest that route to anyone that thinks their case has not been handled correctly.

PTaylor87

Julietkmc said:

PTaylor87 said:

If you don’t mind me asking, who did you email in order to escalate? We’ve went off payslips after we were told nothing else was needed and then got told we then needed P60s which we sent and then got told nothing else was needed and then got asked for a gifted deposit form and have been told nothing else will be needed. It just seems like their dragging their heels for no real reason and it’s so frustrating. We were told it would be looked at mid January but has only just started being looked at now!

My MB emailed the Business Development Manager and the 'Ops leader'. I also asked my MB to forward on an email that I wrote. It would be easier for us all if they gave us the process, and then they followed it and kept us updated each step of the way. The frustrating things are being told one thing then something else happening. My deadline for an offer is Friday but I keep chasing and still no offer.
I did also put a review on google and got a response direct from Vida asking me to email their complaints department. I have not done so yet because that was the day I was told my case had been escalated but to be honest I wish I had as a week later and still nothing. I would suggest that route to anyone that thinks their case has not been handled correctly.

I just find it mind blowing that they ask for one piece of evidence without checking they have everything else? Like they should review the entire thing and then compile a list of what’s needed! Not say “send us statements” and then a week later ask for more info and then when that’s been submitted ask for even more information! Our case has been apparently “awaiting final review” since the 9th of feb 

Ismaimran

Julietkmc said:

PTaylor87 said:

If you don’t mind me asking, who did you email in order to escalate? We’ve went off payslips after we were told nothing else was needed and then got told we then needed P60s which we sent and then got told nothing else was needed and then got asked for a gifted deposit form and have been told nothing else will be needed. It just seems like their dragging their heels for no real reason and it’s so frustrating. We were told it would be looked at mid January but has only just started being looked at now!

My MB emailed the Business Development Manager and the 'Ops leader'. I also asked my MB to forward on an email that I wrote. It would be easier for us all if they gave us the process, and then they followed it and kept us updated each step of the way. The frustrating things are being told one thing then something else happening. My deadline for an offer is Friday but I keep chasing and still no offer.
I did also put a review on google and got a response direct from Vida asking me to email their complaints department. I have not done so yet because that was the day I was told my case had been escalated but to be honest I wish I had as a week later and still nothing. I would suggest that route to anyone that thinks their case has not been handled correctly.

Have u had any luck yet? 
I've emailed the complaints team so see what there will have to say as it's getting beyond a joke know. 

PTaylor87

Ismaimran said:

Julietkmc said:

PTaylor87 said:

If you don’t mind me asking, who did you email in order to escalate? We’ve went off payslips after we were told nothing else was needed and then got told we then needed P60s which we sent and then got told nothing else was needed and then got asked for a gifted deposit form and have been told nothing else will be needed. It just seems like their dragging their heels for no real reason and it’s so frustrating. We were told it would be looked at mid January but has only just started being looked at now!

My MB emailed the Business Development Manager and the 'Ops leader'. I also asked my MB to forward on an email that I wrote. It would be easier for us all if they gave us the process, and then they followed it and kept us updated each step of the way. The frustrating things are being told one thing then something else happening. My deadline for an offer is Friday but I keep chasing and still no offer.
I did also put a review on google and got a response direct from Vida asking me to email their complaints department. I have not done so yet because that was the day I was told my case had been escalated but to be honest I wish I had as a week later and still nothing. I would suggest that route to anyone that thinks their case has not been handled correctly.

Have u had any luck yet? 
I've emailed the complaints team so see what there will have to say as it's getting beyond a joke know. 

Still nothing. Sent over the proof that we still had the deposit in the bank and apparently gone back to underwriters so who knows? I don’t know whether they underwrite the case and then request more or wait until they’ve got everything and then underwrite it 

Ismaimran

PTaylor87 said:

Ismaimran said:

Julietkmc said:

PTaylor87 said:

If you don’t mind me asking, who did you email in order to escalate? We’ve went off payslips after we were told nothing else was needed and then got told we then needed P60s which we sent and then got told nothing else was needed and then got asked for a gifted deposit form and have been told nothing else will be needed. It just seems like their dragging their heels for no real reason and it’s so frustrating. We were told it would be looked at mid January but has only just started being looked at now!

My MB emailed the Business Development Manager and the 'Ops leader'. I also asked my MB to forward on an email that I wrote. It would be easier for us all if they gave us the process, and then they followed it and kept us updated each step of the way. The frustrating things are being told one thing then something else happening. My deadline for an offer is Friday but I keep chasing and still no offer.
I did also put a review on google and got a response direct from Vida asking me to email their complaints department. I have not done so yet because that was the day I was told my case had been escalated but to be honest I wish I had as a week later and still nothing. I would suggest that route to anyone that thinks their case has not been handled correctly.

Have u had any luck yet? 
I've emailed the complaints team so see what there will have to say as it's getting beyond a joke know. 

Still nothing. Sent over the proof that we still had the deposit in the bank and apparently gone back to underwriters so who knows? I don’t know whether they underwrite the case and then request more or wait until they’ve got everything and then underwrite it 

PTaylor87 said:

Ismaimran said:

Julietkmc said:

PTaylor87 said:

If you don’t mind me asking, who did you email in order to escalate? We’ve went off payslips after we were told nothing else was needed and then got told we then needed P60s which we sent and then got told nothing else was needed and then got asked for a gifted deposit form and have been told nothing else will be needed. It just seems like their dragging their heels for no real reason and it’s so frustrating. We were told it would be looked at mid January but has only just started being looked at now!

My MB emailed the Business Development Manager and the 'Ops leader'. I also asked my MB to forward on an email that I wrote. It would be easier for us all if they gave us the process, and then they followed it and kept us updated each step of the way. The frustrating things are being told one thing then something else happening. My deadline for an offer is Friday but I keep chasing and still no offer.
I did also put a review on google and got a response direct from Vida asking me to email their complaints department. I have not done so yet because that was the day I was told my case had been escalated but to be honest I wish I had as a week later and still nothing. I would suggest that route to anyone that thinks their case has not been handled correctly.

Have u had any luck yet? 
I've emailed the complaints team so see what there will have to say as it's getting beyond a joke know. 

Still nothing. Sent over the proof that we still had the deposit in the bank and apparently gone back to underwriters so who knows? I don’t know whether they underwrite the case and then request more or wait until they’ve got everything and then underwrite it 

It looks like there underwrite and then keep requested more documents and it goes back to the underwriter