Halifax now refusing to mortgage our property

Thrugelmir

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.

Employing people is far from cheap. People prefer lower prices. 

LaHostessAvecLaMostess

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.

The way to ensure better service and better quality products is to stop people buying the cheap crap and expecting premium products or services (see our fixation on buying cheap Chinese tat.)

This is not a problem for the government to solve, it's one for consumers to solve. Until people are willing to pay more for their stuff, expect the worst.  I actively avoid stuff from Chinese companies where possible and essentially anything that comes from China because I know that their ethic is "screw it there will be plenty of other customers even after this one dies" but it's very hard to avoid stuff made in China.  But I will try to give my money to those companies who are willing to produce outside of Asia, giving people proper jobs.

Sadly I suspect I'm in the minority.

babyblade41

LaHostessAvecLaMostess said:

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.

The way to ensure better service and better quality products is to stop people buying the cheap crap and expecting premium products or services (see our fixation on buying cheap Chinese tat.)

This is not a problem for the government to solve, it's one for consumers to solve. Until people are willing to pay more for their stuff, expect the worst.  I actively avoid stuff from Chinese companies where possible and essentially anything that comes from China because I know that their ethic is "screw it there will be plenty of other customers even after this one dies" but it's very hard to avoid stuff made in China.  But I will try to give my money to those companies who are willing to produce outside of Asia, giving people proper jobs.

Sadly I suspect I'm in the minority.

you would be surprised how many really want to buy from a small business , I own an artisan craft business and profit margins are up , and thankfully people like your good self who support us are getting more and more 
So many people are coming round to the fact of buying from a face and not a PC 

brianposter

Thrugelmir said:

Employing people is far from cheap. People prefer lower prices. 

Being efficient does not necessarily mean higher prices. Just compare Argos and Amazon.

warwick2001

csgohan4 said:

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. 

I'm sure the question/complaint wouldn't be "why didn't you lend to Mr X?". The question/complaint would be "why will you not lend on property X?". A subtle difference, but important, and nothing to do with GDPR. The OP is complaining that the Halifax lent on their property 3 years ago, but won't now.

As far as I'm aware, the OP has been told that Halifax will no longer lend on a property of the type they own i.e. flat above garages. Not that the Halifax will not lend to the ex-buyer. The ex-buyer may offer on a 'standard' 2 up 2 down semi-detached house, and get the funding from the Halifax no problem.

Asking why the Halifax will no longer lend on property X, when previously they did, is a perfectly valid question. I'm sure it won't change the fact they wont lend on it (and the OP will still be unhappy), but at least they could explain why. And I'm damned sure there'll be no compo paid due to this. Like many other posters on here have already said, the lending criteria has most likely changed (Halifax are perfectly within their rights to do this), so they could quite easily explain what has changed to the OP.

emmajones1976

Surely it's rather obvious what has changed. She lives in a flat, and then Grenfell happened. It's not rocket science.

user1977

warwick2001 said:

csgohan4 said:

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. 

Asking why the Halifax will no longer lend on property X, when previously they did, is a perfectly valid question. I'm not sure if it'll change the fact they wont lend on it (and the OP will still be unhappy), but at least they could explain why.

There's no obligation on them to do so though.

warwick2001

user1977 said:

warwick2001 said:

csgohan4 said:

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. 

Asking why the Halifax will no longer lend on property X, when previously they did, is a perfectly valid question. I'm not sure if it'll change the fact they wont lend on it (and the OP will still be unhappy), but at least they could explain why.

There's no obligation on them to do so though.

Absolutely no obligation. But would be nice if they did (for the OP)

Thrugelmir

brianposter said:

Thrugelmir said:

Employing people is far from cheap. People prefer lower prices. 

Being efficient does not necessarily mean higher prices. Just compare Argos and Amazon.

I've particular dislike of Amazon for it's entire approach to business and the treatment of it's employees. Anybody can drive the competition out of the market by undercutting them. Summed up by Bezos thanking the employees and customers of Amazon making his 11 minute journey into space possible.  

Crashy_Time

emmajones1976 said:

Surely it's rather obvious what has changed. She lives in a flat, and then Grenfell happened. It's not rocket science.

Yes, it is pretty obvious that things have changed since then.