Halifax now refusing to mortgage our property

Marvel1

Halifax well known company declines mortgage, I would look for another property than lender.

diggingdude

You have no cause for complaint. 3 years ago you wanted a flat and Halifax let you have it. Now you no longer want the flat and neither does Halifax. It doesn't sound like your buyer wanted it either tbh. Just relist and hope the next buyer doesn't use this broker 

canaldumidi

diggingdude said:

You have no cause for complaint. 3 years ago you wanted a flat and Halifax let you have it. Now you no longer want the flat and neither does Halifax. It doesn't sound like your buyer wanted it either tbh. Just relist and hope the next buyer doesn't use this broker 

...the Halifax.

Re complaint culture, yes, "Things didn't go the way I wanted so someone must have made a mistake/been responsible." No -sometimes sh** happens.

diggingdude

canaldumidi said:

diggingdude said:

You have no cause for complaint. 3 years ago you wanted a flat and Halifax let you have it. Now you no longer want the flat and neither does Halifax. It doesn't sound like your buyer wanted it either tbh. Just relist and hope the next buyer doesn't use this broker 

...the Halifax.

Re complaint culture, yes, "Things didn't go the way I wanted so someone must have made a mistake/been responsible." No -sometimes sh** happens.

Actually I stand by the broker claim as they sound useless 

brianposter

csgohan4 said:One wonders why there is a complaint culture in this country. Complain for the sake of, especially in this case where it doesn't involve the OP since they are not the one's obtaining the mortgage as the buyer ergo not the customer. 

There are a lot of eggs preceding that particular chicken.

Among those are;

a) A generalised failure by businesses to provide access to a responsible human when a problem arises. It is a basic failure of much British management since the advent of computers.

b) A general lack of interest in customer service exemplified by the failure to deal with telephone calls. It is often easier to complain than hang on the telephone.

c) The stupidity of PPI which has given rise to a whole industry of speculative complainers.

a) A very defensive business culture which invents excuses such as “You are not a customer” as a way to avoid problems. In the long term it does not avoid problems and simply results in businesses which fail to learn because they do not engage with people.

There is no good reason why the Halifax should not try to explain matters to the OP.

If we want to improve matters, as a start we could readily ensure that businesses answer their telephones promptly, and in the longer term, ensure that businesses are not controlled by people who are merely managing money.

Thrugelmir

brianposter said:

csgohan4 said:One wonders why there is a complaint culture in this country. Complain for the sake of, especially in this case where it doesn't involve the OP since they are not the one's obtaining the mortgage as the buyer ergo not the customer. 

a) A generalised failure by businesses to provide access to a responsible human when a problem arises. It is a basic failure of much British management since the advent of computers.

Ever given any thought would life was like in days before technology?  

hazyjo

Even if they haven't changed their criteria (which I agree with others about, that's very unlikely), they take other things into account such as market conditions, local area, supply and demand, predictions on interest rates, etc. Not necessarily stuff that would necessitate a policy change.

csgohan4

brianposter said:

csgohan4 said:One wonders why there is a complaint culture in this country. Complain for the sake of, especially in this case where it doesn't involve the OP since they are not the one's obtaining the mortgage as the buyer ergo not the customer. 

There are a lot of eggs preceding that particular chicken.

Among those are;

a) A generalised failure by businesses to provide access to a responsible human when a problem arises. It is a basic failure of much British management since the advent of computers.

b) A general lack of interest in customer service exemplified by the failure to deal with telephone calls. It is often easier to complain than hang on the telephone.

c) The stupidity of PPI which has given rise to a whole industry of speculative complainers.

a) A very defensive business culture which invents excuses such as “You are not a customer” as a way to avoid problems. In the long term it does not avoid problems and simply results in businesses which fail to learn because they do not engage with people.

There is no good reason why the Halifax should not try to explain matters to the OP.

If we want to improve matters, as a start we could readily ensure that businesses answer their telephones promptly, and in the longer term, ensure that businesses are not controlled by people who are merely managing money.

It is explained by the race to the bottom. Classic example is car insurers, cheap premiums but rubbish CS. Something's got to give, you can't have both and we can't all afford to get Hiscox insurance. 

in response to your 4th point, would you mind if your vendor knew your mortgage got declined over a CCJ? There's a reason why GDPR/ Data protection is in place, or any noisy busy body can come snooping. 

Ultimately it is the effects of capitalism, money makes more money and out of the 3 , Service, efficiency and cost, not all 3 are going to be satisfied fully. 

brianposter

csgohan4 said:
Ultimately it is the effects of capitalism, money makes more money and out of the 3 , Service, efficiency and cost, not all 3 are going to be satisfied fully. 

Not really an effect of capitalism. For example it would be far easier and cheaper to ensure that all major companies answer the phone promptly than to ensure that the DVLA or HMRC do so.

It is simply a lack of political will.

SpiderLegs

brianposter said:

csgohan4 said:
Ultimately it is the effects of capitalism, money makes more money and out of the 3 , Service, efficiency and cost, not all 3 are going to be satisfied fully. 

Not really an effect of capitalism. For example it would be far easier and cheaper to ensure that all major companies answer the phone promptly than to ensure that the DVLA or HMRC do so.

It is simply a lack of political will.

I find that thankfully there is often a lack of political will for ridiculous ideas like this.