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Santander demanding Employee ID and account numbers

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  • ACG
    ACG Posts: 24,558 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    I like to think I am a bit more diplomatic now, but in my 20s when a job was just a job I used to just say it as it was. 
    If people were being ridiculous, I would say so but also explain why. I wasnt trying to be rude or clever but I think its important people know the customer isnt always right if they are wrong. 

    I was made a manager and also put in dealing with complaints so I must have been alright at it... or get me away from customers/deal with already unhappy customers - who knows? 
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Jemma01
    Jemma01 Posts: 390 Forumite
    Fourth Anniversary 100 Posts Name Dropper
    I haven't read the comments, but what it appears to them is that you're tempering with the documentation. How do they know you've not tempered with something else through other means?
    They may also need to check the account numbers are actually valid and exist under that name, but they can't do that if they're omitted. Just because you have a bank statement with numbers on it, doesn't make the bank statement authentic. I can forge one now and put your name on it.
    Note:
    I'm FTB, not an expert, all my comments are from personal experience and not a professional advice.
    Mortgage debt start date = 25/10/2024 = 175k (5.44% interest rate, 20 year term)
    Q4/2024 = 139.3k (5.19% interest rate)
    Q1/2025 = 125.3k (interest rate dropped from 5.19% - 4.69%)
    Q2/2025 = 108.9K (interest rate 4.44%)
    Q3/2025 = 103.9k
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