Natwest Mortgage Timescale 2022

Velar19

which1982 said:

Velar19 said:

Big_Rock said:

Velar19 said:

Viperex said:

This just changed now does this mean there happy with everything as its all ticked? and what next and how long is next step 

Mine has been ticked since 20th October, and STILL NO OFFER!!!!!!

You mean all ticked off ?  Have you tried contacting them ? 

@Big_Rock
  Was told on 24th Oct that an offer would be sent within 5 working days. It didn't, so chased it up, and long story short, they said there was a "discrepancy" with my husbands DOB. They had keyed it incorrectly, and since then apparently it has sat at the bottom of the pile. Was told yesterday that it would be offered within 2-3 days. I'm still waiting.

We’ve had a similar issue. Applied 06/10 and received our offer 31/10 but noticed my partners name was spelt incorrectly…

broker called NatWest who said they could make the change without reassessment of the application, but can take 16 working days (argh!). 

Broker uploaded the ID doc on Monday, but he called back today and NW had only just read his email - now told it’ll be 5 working days before they re-offer.

@which1982 it’s disgraceful that their errors then impact where you are in the system! It will be 6 weeks this coming Tuesday since we applied, and at this point still no offer. I genuinely can’t believe how long it is taking. I’m slowly losing the will to live…..😤

which1982

Velar19 said:

which1982 said:

Velar19 said:

Big_Rock said:

Velar19 said:

Viperex said:

This just changed now does this mean there happy with everything as its all ticked? and what next and how long is next step 

Mine has been ticked since 20th October, and STILL NO OFFER!!!!!!

You mean all ticked off ?  Have you tried contacting them ? 

@Big_Rock
  Was told on 24th Oct that an offer would be sent within 5 working days. It didn't, so chased it up, and long story short, they said there was a "discrepancy" with my husbands DOB. They had keyed it incorrectly, and since then apparently it has sat at the bottom of the pile. Was told yesterday that it would be offered within 2-3 days. I'm still waiting.

We’ve had a similar issue. Applied 06/10 and received our offer 31/10 but noticed my partners name was spelt incorrectly…

broker called NatWest who said they could make the change without reassessment of the application, but can take 16 working days (argh!). 

Broker uploaded the ID doc on Monday, but he called back today and NW had only just read his email - now told it’ll be 5 working days before they re-offer.

@which1982 it’s disgraceful that their errors then impact where you are in the system! It will be 6 weeks this coming Tuesday since we applied, and at this point still no offer. I genuinely can’t believe how long it is taking. I’m slowly losing the will to live…..😤

Agreed. This is now our tracker (everything under assessment ticket complete, this comes under ‘completion’ but the offer isn’t ticked yet…) literally no idea what’s going on? 

Velar19

which1982 said:

Velar19 said:

which1982 said:

Velar19 said:

Big_Rock said:

Velar19 said:

Viperex said:

This just changed now does this mean there happy with everything as its all ticked? and what next and how long is next step 

Mine has been ticked since 20th October, and STILL NO OFFER!!!!!!

You mean all ticked off ?  Have you tried contacting them ? 

@Big_Rock
  Was told on 24th Oct that an offer would be sent within 5 working days. It didn't, so chased it up, and long story short, they said there was a "discrepancy" with my husbands DOB. They had keyed it incorrectly, and since then apparently it has sat at the bottom of the pile. Was told yesterday that it would be offered within 2-3 days. I'm still waiting.

We’ve had a similar issue. Applied 06/10 and received our offer 31/10 but noticed my partners name was spelt incorrectly…

broker called NatWest who said they could make the change without reassessment of the application, but can take 16 working days (argh!). 

Broker uploaded the ID doc on Monday, but he called back today and NW had only just read his email - now told it’ll be 5 working days before they re-offer.

@which1982 it’s disgraceful that their errors then impact where you are in the system! It will be 6 weeks this coming Tuesday since we applied, and at this point still no offer. I genuinely can’t believe how long it is taking. I’m slowly losing the will to live…..😤

Agreed. This is now our tracker (everything under assessment ticket complete, this comes under ‘completion’ but the offer isn’t ticked yet…) literally no idea what’s going on? 

@which1982 this is good news! Looks like your offer will be with you very soon, you lucky thing. My story just gets worse...

Velar19

Hi all, I have posted several times on this thread and on others, so apologies if you've read my story before.
The whole application process with NatWest (via a broker) has been, and continues to be a nightmare.
My timeline so far:-
27th September - Application submitted (via a Broker)
27th September - Hard search carried out (Notification from ClearScore on 29/9)
30th September - Valuation completed (physical, and all OK)
10th October - All actions ticked
10th October - Request for further info, sent to them immediately
10th October - Soft Search carried out by RBSG
11th October - Conveyancers instructed (we are mortgaging the home we own outright)
20th October - Last action ticked
24th October - Broker chased NatWest, who said offer would be sent "within 5 days"
31st October - Still no offer so I used "chat" and was told by an illiterate agent that the offer would be issued "in 2-3 working days"
2nd November - I chased again, told by another chat agent that there was a "discrepancy" with the year of birth of my husband (they had used mine instead of his) and that it was now with the "dedicated team" to resolve, and again stated "2-3 working days"
2nd November - broker chased, says he wasn't told anything about a discrepancy with the year of birth
4th November - ANOTHER chat agent, quotes the same time frame

Now here is the thing (and thank you if you have made it this far!!):-
My husband and I have had an alert from ClearScore today, telling us that NatWest have carried out ANOTHER hard search, on Thursday 3rd November.  Why would they have done another search?
And in addition to that, when I looked back at the initial search they did on 27th September (day of application) the year of birth they used for my husband WAS WRONG. All the soft searches they have done since have also used the wrong year of birth.  So this has been an issue since day one, yet has only been picked up within the last few days!!
Has anyone else been in this position? Is it normal for them to do another hard search? 

Big_Rock

Velar19 said:

Hi all, I have posted several times on this thread and on others, so apologies if you've read my story before.
The whole application process with NatWest (via a broker) has been, and continues to be a nightmare.
My timeline so far:-
27th September - Application submitted (via a Broker)
27th September - Hard search carried out (Notification from ClearScore on 29/9)
30th September - Valuation completed (physical, and all OK)
10th October - All actions ticked
10th October - Request for further info, sent to them immediately
10th October - Soft Search carried out by RBSG
11th October - Conveyancers instructed (we are mortgaging the home we own outright)
20th October - Last action ticked
24th October - Broker chased NatWest, who said offer would be sent "within 5 days"
31st October - Still no offer so I used "chat" and was told by an illiterate agent that the offer would be issued "in 2-3 working days"
2nd November - I chased again, told by another chat agent that there was a "discrepancy" with the year of birth of my husband (they had used mine instead of his) and that it was now with the "dedicated team" to resolve, and again stated "2-3 working days"
2nd November - broker chased, says he wasn't told anything about a discrepancy with the year of birth
4th November - ANOTHER chat agent, quotes the same time frame

Now here is the thing (and thank you if you have made it this far!!):-
My husband and I have had an alert from ClearScore today, telling us that NatWest have carried out ANOTHER hard search, on Thursday 3rd November.  Why would they have done another search?
And in addition to that, when I looked back at the initial search they did on 27th September (day of application) the year of birth they used for my husband WAS WRONG. All the soft searches they have done since have also used the wrong year of birth.  So this has been an issue since day one, yet has only been picked up within the last few days!!
Has anyone else been in this position? Is it normal for them to do another hard search? 

Obviously it can’t be normal but when you look at forums all sort of issue and delays with NatWest .

The reason they are doing another hard search is to get your real credit file as obviously they wouldn’t have got no info on wrong details.

Irrespective of the reasons it’s not fair and you should launch official complaint. Also make sure it wasn’t an error by your broker. Mine messed up filling application and blamed NatWest but I found it later . 

Just horrible experience overall … sorry to read your timeline . 

Velar19

Big_Rock said:

Velar19 said:

Hi all, I have posted several times on this thread and on others, so apologies if you've read my story before.
The whole application process with NatWest (via a broker) has been, and continues to be a nightmare.
My timeline so far:-
27th September - Application submitted (via a Broker)
27th September - Hard search carried out (Notification from ClearScore on 29/9)
30th September - Valuation completed (physical, and all OK)
10th October - All actions ticked
10th October - Request for further info, sent to them immediately
10th October - Soft Search carried out by RBSG
11th October - Conveyancers instructed (we are mortgaging the home we own outright)
20th October - Last action ticked
24th October - Broker chased NatWest, who said offer would be sent "within 5 days"
31st October - Still no offer so I used "chat" and was told by an illiterate agent that the offer would be issued "in 2-3 working days"
2nd November - I chased again, told by another chat agent that there was a "discrepancy" with the year of birth of my husband (they had used mine instead of his) and that it was now with the "dedicated team" to resolve, and again stated "2-3 working days"
2nd November - broker chased, says he wasn't told anything about a discrepancy with the year of birth
4th November - ANOTHER chat agent, quotes the same time frame

Now here is the thing (and thank you if you have made it this far!!):-
My husband and I have had an alert from ClearScore today, telling us that NatWest have carried out ANOTHER hard search, on Thursday 3rd November.  Why would they have done another search?
And in addition to that, when I looked back at the initial search they did on 27th September (day of application) the year of birth they used for my husband WAS WRONG. All the soft searches they have done since have also used the wrong year of birth.  So this has been an issue since day one, yet has only been picked up within the last few days!!
Has anyone else been in this position? Is it normal for them to do another hard search? 

Obviously it can’t be normal but when you look at forums all sort of issue and delays with NatWest .

The reason they are doing another hard search is to get your real credit file as obviously they wouldn’t have got no info on wrong details.

Irrespective of the reasons it’s not fair and you should launch official complaint. Also make sure it wasn’t an error by your broker. Mine messed up filling application and blamed NatWest but I found it later . 

Just horrible experience overall … sorry to read your timeline . 

@big_rock
I see what you mean about having to do another credit search to get his "real" file, but they obviously got his file when they did the initial search, on 27th Sept, hence the hard search showing up on his file. And also, the soft searches showing on his file. So even though they used the wrong year of birth, they still did get his file!

And I think it was actually my brokers fault, as when I looked at the soft search that they did, they had the wrong year of birth.  So essentially it is their error, and I have e-mailed my broker today informing him of this. 

which1982

Velar19 said:

Big_Rock said:

Velar19 said:

Hi all, I have posted several times on this thread and on others, so apologies if you've read my story before.
The whole application process with NatWest (via a broker) has been, and continues to be a nightmare.
My timeline so far:-
27th September - Application submitted (via a Broker)
27th September - Hard search carried out (Notification from ClearScore on 29/9)
30th September - Valuation completed (physical, and all OK)
10th October - All actions ticked
10th October - Request for further info, sent to them immediately
10th October - Soft Search carried out by RBSG
11th October - Conveyancers instructed (we are mortgaging the home we own outright)
20th October - Last action ticked
24th October - Broker chased NatWest, who said offer would be sent "within 5 days"
31st October - Still no offer so I used "chat" and was told by an illiterate agent that the offer would be issued "in 2-3 working days"
2nd November - I chased again, told by another chat agent that there was a "discrepancy" with the year of birth of my husband (they had used mine instead of his) and that it was now with the "dedicated team" to resolve, and again stated "2-3 working days"
2nd November - broker chased, says he wasn't told anything about a discrepancy with the year of birth
4th November - ANOTHER chat agent, quotes the same time frame

Now here is the thing (and thank you if you have made it this far!!):-
My husband and I have had an alert from ClearScore today, telling us that NatWest have carried out ANOTHER hard search, on Thursday 3rd November.  Why would they have done another search?
And in addition to that, when I looked back at the initial search they did on 27th September (day of application) the year of birth they used for my husband WAS WRONG. All the soft searches they have done since have also used the wrong year of birth.  So this has been an issue since day one, yet has only been picked up within the last few days!!
Has anyone else been in this position? Is it normal for them to do another hard search? 

Obviously it can’t be normal but when you look at forums all sort of issue and delays with NatWest .

The reason they are doing another hard search is to get your real credit file as obviously they wouldn’t have got no info on wrong details.

Irrespective of the reasons it’s not fair and you should launch official complaint. Also make sure it wasn’t an error by your broker. Mine messed up filling application and blamed NatWest but I found it later . 

Just horrible experience overall … sorry to read your timeline . 

@big_rock
I see what you mean about having to do another credit search to get his "real" file, but they obviously got his file when they did the initial search, on 27th Sept, hence the hard search showing up on his file. And also, the soft searches showing on his file. So even though they used the wrong year of birth, they still did get his file!

And I think it was actually my brokers fault, as when I looked at the soft search that they did, they had the wrong year of birth.  So essentially it is their error, and I have e-mailed my broker today informing him of this. 

I’m no expert - but I understand that the credit search can still technically be accurate (ie. A search conducted against the right person) if one detail is incorrect and the others (name, address etc.) are. 

NatWest haven’t done another hard search of my partner when they got her name wrong (the hard search also showed up on her credit file despite getting her last name wrong) so sounds like maybe they’re actually doing another assessment in your case.

im sure all is going to be fine though - hang on in there! 

Velar19

Update on my horrendous case - our application is now back with the underwriters, as they have to confirm they are happy with the year of birth change (they have had the wrong year of birth since application on 27/9 but have only just picked up on it) and it will then go back to the offers team. Underwriters won't look at it until 9th, and then god knows how long after that for the offer team to do their stuff. I'm losing the will to live.......  

Big_Rock

Velar19 said:

Update on my horrendous case - our application is now back with the underwriters, as they have to confirm they are happy with the year of birth change (they have had the wrong year of birth since application on 27/9 but have only just picked up on it) and it will then go back to the offers team. Underwriters won't look at it until 9th, and then god knows how long after that for the offer team to do their stuff. I'm losing the will to live.......  

Horrible service tbh …

I have thought twice now myself to switch but been 4 week already so sort of trapped to wait. 

Ahhhh 

Big_Rock

Really annoyed as was talking to my broker and another client of her ... self employed with high LTV just got offered in 14 days ... why is there no first come first serve ...