Mortgage Broker Complaint

123imp

ACG said:

If there is evidence that the broker had it agreed you would be underwritten on special terms and were then declined, I would agree in that the broker is not at fault and so then your complaint goes to HSBC, although I am not sure how that would play out as they had no direct contact with you. 

Ask the network if you can provide the confirmation from HSBC that you could be underwritten on "non standard underwriting". 

Hi,

Thanks for the response. 

I have already requested the evidence showing they had confirmation from HSBC. That was a week ago, no response thus far.

dunstonh

123imp said:

ACG said:

If there is evidence that the broker had it agreed you would be underwritten on special terms and were then declined, I would agree in that the broker is not at fault and so then your complaint goes to HSBC, although I am not sure how that would play out as they had no direct contact with you. 

Ask the network if you can provide the confirmation from HSBC that you could be underwritten on "non standard underwriting". 

Hi,

Thanks for the response. 

I have already requested the evidence showing they had confirmation from HSBC. That was a week ago, no response thus far.

It may be hard to provide evidence if it was a phone call.

Annisele

123imp said:

ACG said:

If there is evidence that the broker had it agreed you would be underwritten on special terms and were then declined, I would agree in that the broker is not at fault and so then your complaint goes to HSBC, although I am not sure how that would play out as they had no direct contact with you. 

Ask the network if you can provide the confirmation from HSBC that you could be underwritten on "non standard underwriting". 

Hi,

Thanks for the response. 

I have already requested the evidence showing they had confirmation from HSBC. That was a week ago, no response thus far.

There's nothing to stop you going at it from the other end, and asking HSBC will it please share with you whatever it told your broker about you/your application.

123imp

dunstonh said:

123imp said:

ACG said:

If there is evidence that the broker had it agreed you would be underwritten on special terms and were then declined, I would agree in that the broker is not at fault and so then your complaint goes to HSBC, although I am not sure how that would play out as they had no direct contact with you. 

Ask the network if you can provide the confirmation from HSBC that you could be underwritten on "non standard underwriting". 

Hi,

Thanks for the response. 

I have already requested the evidence showing they had confirmation from HSBC. That was a week ago, no response thus far.

It may be hard to provide evidence if it was a phone call.

Well that will be their problem, as it's easy to come up with excuses when you don't have to back them up.

123imp

Annisele said:

123imp said:

ACG said:

If there is evidence that the broker had it agreed you would be underwritten on special terms and were then declined, I would agree in that the broker is not at fault and so then your complaint goes to HSBC, although I am not sure how that would play out as they had no direct contact with you. 

Ask the network if you can provide the confirmation from HSBC that you could be underwritten on "non standard underwriting". 

Hi,

Thanks for the response. 

I have already requested the evidence showing they had confirmation from HSBC. That was a week ago, no response thus far.

There's nothing to stop you going at it from the other end, and asking HSBC will it please share with you whatever it told your broker about you/your application.

Would HSBC do this if they hadn't communicated directly with myself? 

Annisele

123imp said:

Annisele said:

123imp said:

ACG said:

If there is evidence that the broker had it agreed you would be underwritten on special terms and were then declined, I would agree in that the broker is not at fault and so then your complaint goes to HSBC, although I am not sure how that would play out as they had no direct contact with you. 

Ask the network if you can provide the confirmation from HSBC that you could be underwritten on "non standard underwriting". 

Hi,

Thanks for the response. 

I have already requested the evidence showing they had confirmation from HSBC. That was a week ago, no response thus far.

There's nothing to stop you going at it from the other end, and asking HSBC will it please share with you whatever it told your broker about you/your application.

Would HSBC do this if they hadn't communicated directly with myself? 

I don't know - but I don't see the harm in asking them.

TheJP

123imp said:

Annisele said:

123imp said:

ACG said:

If there is evidence that the broker had it agreed you would be underwritten on special terms and were then declined, I would agree in that the broker is not at fault and so then your complaint goes to HSBC, although I am not sure how that would play out as they had no direct contact with you. 

Ask the network if you can provide the confirmation from HSBC that you could be underwritten on "non standard underwriting". 

Hi,

Thanks for the response. 

I have already requested the evidence showing they had confirmation from HSBC. That was a week ago, no response thus far.

There's nothing to stop you going at it from the other end, and asking HSBC will it please share with you whatever it told your broker about you/your application.

Would HSBC do this if they hadn't communicated directly with myself? 

You can make a subject access request regarding any information HSBC have on you. They have to submit any information regarding you when requested.  

dunstonh

TheJP said:

123imp said:

Annisele said:

123imp said:

ACG said:

If there is evidence that the broker had it agreed you would be underwritten on special terms and were then declined, I would agree in that the broker is not at fault and so then your complaint goes to HSBC, although I am not sure how that would play out as they had no direct contact with you. 

Ask the network if you can provide the confirmation from HSBC that you could be underwritten on "non standard underwriting". 

Hi,

Thanks for the response. 

I have already requested the evidence showing they had confirmation from HSBC. That was a week ago, no response thus far.

There's nothing to stop you going at it from the other end, and asking HSBC will it please share with you whatever it told your broker about you/your application.

Would HSBC do this if they hadn't communicated directly with myself? 

You can make a subject access request regarding any information HSBC have on you. They have to submit any information regarding you when requested.  

However, if its a conversation between the broker and the lender by phone, then it probably wasn't recorded and even if it was, it probably isn't associated with borrower.   At the point the conversation took place, there wouldn't be a file to associate it with.

TheJP

dunstonh said:

TheJP said:

123imp said:

Annisele said:

123imp said:

ACG said:

If there is evidence that the broker had it agreed you would be underwritten on special terms and were then declined, I would agree in that the broker is not at fault and so then your complaint goes to HSBC, although I am not sure how that would play out as they had no direct contact with you. 

Ask the network if you can provide the confirmation from HSBC that you could be underwritten on "non standard underwriting". 

Hi,

Thanks for the response. 

I have already requested the evidence showing they had confirmation from HSBC. That was a week ago, no response thus far.

There's nothing to stop you going at it from the other end, and asking HSBC will it please share with you whatever it told your broker about you/your application.

Would HSBC do this if they hadn't communicated directly with myself? 

You can make a subject access request regarding any information HSBC have on you. They have to submit any information regarding you when requested.  

However, if its a conversation between the broker and the lender by phone, then it probably wasn't recorded and even if it was, it probably isn't associated with borrower.   At the point the conversation took place, there wouldn't be a file to associate it with.

There will be a transcript of the call and almost all banks record their calls. The transcript/call would be logged against the clients folder.

dunstonh

TheJP said:

dunstonh said:

TheJP said:

123imp said:

Annisele said:

123imp said:

ACG said:

If there is evidence that the broker had it agreed you would be underwritten on special terms and were then declined, I would agree in that the broker is not at fault and so then your complaint goes to HSBC, although I am not sure how that would play out as they had no direct contact with you. 

Ask the network if you can provide the confirmation from HSBC that you could be underwritten on "non standard underwriting". 

Hi,

Thanks for the response. 

I have already requested the evidence showing they had confirmation from HSBC. That was a week ago, no response thus far.

There's nothing to stop you going at it from the other end, and asking HSBC will it please share with you whatever it told your broker about you/your application.

Would HSBC do this if they hadn't communicated directly with myself? 

You can make a subject access request regarding any information HSBC have on you. They have to submit any information regarding you when requested.  

However, if its a conversation between the broker and the lender by phone, then it probably wasn't recorded and even if it was, it probably isn't associated with borrower.   At the point the conversation took place, there wouldn't be a file to associate it with.

There will be a transcript of the call and almost all banks record their calls. The transcript/call would be logged against the clients folder.

Most calls between agents of a provider and the advice firm are not recorded.      
And at the point of the call would likely to have been made, the borrower wouldn't have been a customer of the lender.   It would likely have been along the lines of "I have someone who is in ...this situation... "      So, nothing to allocate to a customer at that time.