Nationwide Mortgage

bannanna

Just found an email in my junk folder from Nationwide (everyone check your junk folders!). My employer messed up my pay last month and deducted £150 erroneously - Nationwide wants to know what this deduction was for and whether it will continue. Errr how to diplomatically write that my organisation's HR don't know their *rse from their elbow and that it was an error on their part...?! I can see that it has been reinstated in this month's payslip, so have sent that on to Nationwide and hopefully that will satisfy them! Has taken them 5 working days to submit the first payslip I submitted, so I am not banking on hearing from them again for another 5 working days now. Fingers crossed!

Does anyone know whether Credit Karma / Clearscore etc update with hard credit checks in between their monthly refreshes? Or do I need to wait until the next full refresh of my credit report to see whether I've had a hard credit check?

JKP1245

bannanna said:

Just found an email in my junk folder from Nationwide (everyone check your junk folders!). My employer messed up my pay last month and deducted £150 erroneously - Nationwide wants to know what this deduction was for and whether it will continue. Errr how to diplomatically write that my organisation's HR don't know their *rse from their elbow and that it was an error on their part...?! I can see that it has been reinstated in this month's payslip, so have sent that on to Nationwide and hopefully that will satisfy them! Has taken them 5 working days to submit the first payslip I submitted, so I am not banking on hearing from them again for another 5 working days now. Fingers crossed!

Does anyone know whether Credit Karma / Clearscore etc update with hard credit checks in between their monthly refreshes? Or do I need to wait until the next full refresh of my credit report to see whether I've had a hard credit check?

I had an email part way through the month to advise of a hard credit check on ClearScore so don't think you will have to wait for it to refresh, you would only wait for that for it to show in your report 😊

mh_ww

Still awaiting an answer on changing our loan amount following our valuation and renegotiating the offer on the property. We had soft checks from Nationwide on Monday but not clear why. Will try and chase up my broker today to get an update. We've been so patient but the process has been dragging on for so long.

bannanna

JKP1245 said:

bannanna said:

Just found an email in my junk folder from Nationwide (everyone check your junk folders!). My employer messed up my pay last month and deducted £150 erroneously - Nationwide wants to know what this deduction was for and whether it will continue. Errr how to diplomatically write that my organisation's HR don't know their *rse from their elbow and that it was an error on their part...?! I can see that it has been reinstated in this month's payslip, so have sent that on to Nationwide and hopefully that will satisfy them! Has taken them 5 working days to submit the first payslip I submitted, so I am not banking on hearing from them again for another 5 working days now. Fingers crossed!

Does anyone know whether Credit Karma / Clearscore etc update with hard credit checks in between their monthly refreshes? Or do I need to wait until the next full refresh of my credit report to see whether I've had a hard credit check?

I had an email part way through the month to advise of a hard credit check on ClearScore so don't think you will have to wait for it to refresh, you would only wait for that for it to show in your report 😊

Brill, thanks Jkp, will keep my eyes peeled!

ShannonEliseHall

bannanna said:

Just found an email in my junk folder from Nationwide (everyone check your junk folders!). My employer messed up my pay last month and deducted £150 erroneously - Nationwide wants to know what this deduction was for and whether it will continue. Errr how to diplomatically write that my organisation's HR don't know their *rse from their elbow and that it was an error on their part...?! I can see that it has been reinstated in this month's payslip, so have sent that on to Nationwide and hopefully that will satisfy them! Has taken them 5 working days to submit the first payslip I submitted, so I am not banking on hearing from them again for another 5 working days now. Fingers crossed!

Does anyone know whether Credit Karma / Clearscore etc update with hard credit checks in between their monthly refreshes? Or do I need to wait until the next full refresh of my credit report to see whether I've had a hard credit check?

I had a email saying that a hard credit check had been done, my credit report hasn't been updated it just shows on the clearscore next report part on the app that a search will be added same on credit karma 😊

NeverEnoughCats

I had my valuation today, so I'm hoping that it won't be too much longer. My partner and I are trying to buy my ex-husband out, so it's a remortgage, I own 65% outright, so the mortgage is for 35% of the value of the house. Here's my timeline:
23/10 DIP given.
05/11 Application put in by our broker, and text received from Nationwide.
06/11 Text received to say valuation booked for 09/11.
09/11 Had to advise surveyor that daughter had been instructed to self-isolate due to having been in contact with a teacher with Covid. Survey postponed.
14/11 Hard searches done on both myself and my partner.
25/11 (Today) Survey done. Surveyor said that due to LTV, it was really just a formality.
Fingers crossed that we'll hear soon! I did notice that my partner and I are now listed as having a financial connection in terms of a joint account or loan on ClearSearch, and as the only joint thing we have so far is the mortgage application, I'm hoping that that's a sign that it's a done deal! Might be wishful thinking though!

Iomp1

I’ve been following this thread for a while so thought I’d post my timeline as there’s a few with similar:
FTB 90 LTV direct with NW
Nov 11 application sent
Nov 12 Valuation booked for 25th
Nov 20 Hard search
Nov 25 Valuation received text followed by Mortgage offer text! 

Good luck all! 

ShannonEliseHall

Iomp1 said:

I’ve been following this thread for a while so thought I’d post my timeline as there’s a few with similar:
FTB 90 LTV direct with NW
Nov 11 application sent
Nov 12 Valuation booked for 25th
Nov 20 Hard search
Nov 25 Valuation received text followed by Mortgage offer text! 

Good luck all! 

Wow thats fast! Congratulations! 🏡

NHB2020

Iomp1 said:

I’ve been following this thread for a while so thought I’d post my timeline as there’s a few with similar:
FTB 90 LTV direct with NW
Nov 11 application sent
Nov 12 Valuation booked for 25th
Nov 20 Hard search
Nov 25 Valuation received text followed by Mortgage offer text! 

Good luck all! 

I’m not bitter at all. 😂 Congratulations! 

Hopefully won’t be too long for ours! 

Mishelski

Valuation day!! I'm so nervous but I'm trying to remain positive. 

Praying for a fast turnaround and a decision before the weekend.