Possible negligence from my mortgage broker

RyanWills94

csgohan4 said:

RyanWills94 said:

haras_n0sirrah said:

https://www.leedsbuildingsociety.co.uk/mortgages/additional-borrowing/shared-ownership-mortgages/

That’s now, not before back in October, I have the figures and the historic products, LBS have already confirmed 

Do you have the criteria back then as well? You cannot objectively assess you would get a mortgage at the time, not all criteria is available publicly as some is commercially sensitive

I 100% would of, my credit history is perfect, our financial circumstance was and is still perfect, we had an aip approved for 240,000.00 when we was looking, we met the criteria 100% we definitely would have been accepted

BlueRydav

You can't 100% say for sure that you would've been accepted for a mortgage, and you can't prove that you would have, as there are far too many variables. They could have declined you for a host of reasons on their 'riskiest' LTV..
Is your property a flat? Could it be affected by the EWS1 scandal? Would a surveyor undervalue the property? 

tiglon

If you're unhappy just make a complaint. Arguing with people on the internet isn't going to get you anything.

RyanWills94

BlueRydav said:

You can't 100% say for sure that you would've been accepted for a mortgage, and you can't prove that you would have, as there are far too many variables. They could have declined you for a host of reasons on their 'riskiest' LTV..
Is your property a flat? Could it be affected by the EWS1 scandal? Would a surveyor undervalue the property? 

There would be no reason for them to decline me...... 

RyanWills94

tiglon said:

If you're unhappy just make a complaint. Arguing with people on the internet isn't going to get you anything.

I have and fortunately I have already received a very promising email which I’ll shortly upload.. 

[Deleted User]

Mate - honestly - dont bother trying to argue with people on here. Its just not worth it unless you have gained valuable advice. No one on here can tell you that you dont have a chance. Lodge the complaint and battle it as far as you can. Im a complainer and Ive won loads of complaints. Some you win, some you lose. If you try and give it your all - thats all you can do ! 

RyanWills94

Densol said:

Mate - honestly - dont bother trying to argue with people on here. Its just not worth it unless you have gained valuable advice. No one on here can tell you that you dont have a chance. Lodge the complaint and battle it as far as you can. Im a complainer and Ive won loads of complaints. Some you win, some you lose. If you try and give it your all - thats all you can do ! 

Haha I know, well I’ve had a very promising email from open works who are currently dealing with it now. I will update the thread in due course 

mortgagetakingages

RyanWills94 said:

Densol said:

Mate - honestly - dont bother trying to argue with people on here. Its just not worth it unless you have gained valuable advice. No one on here can tell you that you dont have a chance. Lodge the complaint and battle it as far as you can. Im a complainer and Ive won loads of complaints. Some you win, some you lose. If you try and give it your all - thats all you can do ! 

Haha I know, well I’ve had a very promising email from open works who are currently dealing with it now. I will update the thread in due course 

How much was the erc that you decided not to pay? 

RyanWills94

mortgagetakingages said:

RyanWills94 said:

Densol said:

Mate - honestly - dont bother trying to argue with people on here. Its just not worth it unless you have gained valuable advice. No one on here can tell you that you dont have a chance. Lodge the complaint and battle it as far as you can. Im a complainer and Ive won loads of complaints. Some you win, some you lose. If you try and give it your all - thats all you can do ! 

Haha I know, well I’ve had a very promising email from open works who are currently dealing with it now. I will update the thread in due course 

How much was the erc that you decided not to pay? 

There weren’t no ERC to pay. Do you mean how much did the broker assume it would be? £2300...

mortgagetakingages

RyanWills94 said:

mortgagetakingages said:

RyanWills94 said:

Densol said:

Mate - honestly - dont bother trying to argue with people on here. Its just not worth it unless you have gained valuable advice. No one on here can tell you that you dont have a chance. Lodge the complaint and battle it as far as you can. Im a complainer and Ive won loads of complaints. Some you win, some you lose. If you try and give it your all - thats all you can do ! 

Haha I know, well I’ve had a very promising email from open works who are currently dealing with it now. I will update the thread in due course 

How much was the erc that you decided not to pay? 

There weren’t no ERC to pay. Do you mean how much did the broker assume it would be? £2300...

So you valued the risk of losing the 95% deal at £2300 as that was the amount you would have needed to pay and the was the reason why you didn't proceed so.... £2300 feels like the limit of your claim based on your own actions demonstrating that amount was the price you chose not to pay when you were wrongly informed that was the amount.