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Original poster

Can anyone assist in this strange issue

108 replies

LJC1234 · 22/05/2021 09:53

Firstly apologies if this is in the wrong section. I wasn't sure where it should go but is financially related.

I got married 3 years ago. Always intended to take DH name but haven't legally changed it on anything ( other than Facebook)

All my cards / bank and work is in my current maiden name.

We are currently in the process of remortgaging as have reached the end of our current deal. We use a broker.

A few days ago one of my credit cards sent me a new card in my married name. I have not requested a name change. The next day another followed I called the companies and spoke to the fraud team to get an idea why it was requested and they have no idea they are absolutely baffled . They are confident it's not fraud but that something is prompting it they are still investigating.

I have racked my brains but cannot think of anything I have submitted in my married name that would prompt my card company to change my name. I don't use that name.

Today the mortgage advisor has got in touch to say that the application made in my maiden name has been rejected but my married name was accepted . He now needs proof I've changed my name for the mortgage company.. only I haven't changed my name . He wants a letter from my work confirming my identity only again work don't know me in that name ! It's a nightmare. I can obviously on Monday start the ball rolling with all that.

My main question is has anyone ever heard anything like this or anyone got any ideas what on earth I have completed that has promoted my name to change automatically? So stressed and confused.

OP posts:
BelleBlueBell · 24/05/2021 13:59

@OxfordMum90 you need to start a thread, you've accidentally posted your question as a reply to an existing thread

chesirecat99 · 24/05/2021 13:59

@OxfordMum90 Welcome to MN Flowers

You will get more responses if you start your own thread. Click on "Topics" and find the most relevant board for your question. Then on the page for the topic, click on "Start a new thread in this topic".

OxfordMum90 · 24/05/2021 14:02

I just realised. I've requested a delete. Thanks x

DistrictCommissioner · 24/05/2021 14:06

I would be furious about this.

DH & I are married, have applied for 2 mortgages during the time, I’ve never taken his name & never will do. It’s irrelevant.

Original poster
LJC1234 · 24/05/2021 14:34

So finally spoken to the mortgage advisor who is as baffled as we are . It's all so random! He's speaking to Halifax to as our forms signed are in my maiden name.

I've had acknowledgment of my complain to Halifax re my card name being changed so waiting for that to be addressed

Separately realised Experian wasn't up to date as I haven't logged in since we last re mortgages so updated that and my new report will be ready at 09.30 am to see if that sheds and light .

I'm still so baffled and so stressed that this has all caused so many issues from what looks like someone somewhere assuming I've taken husband name and not reading the information provided

OP posts:
lms2017 · 24/05/2021 14:43

Has a credit check been done on you? That shows your linked to husband financially perhaps someone at Halifax has just read husband's name , then put yours and put the married name after yours too not thinking properly.

Ostara212 · 24/05/2021 14:54

"I'm still so baffled and so stressed that this has all caused so many issues from what looks like someone somewhere assuming I've taken husband name and not reading the information provided"

I have a feeling that might not be a human error

I won't bore you but I have had to deal with some bureaucracy at the bank. I think all are trying poorly built software and they got annoyed with me for needing an in person appointment because "computer says no".

Original poster
LJC1234 · 26/05/2021 18:14

I wish I could come back to this thread with a resolution but I really don't have one.

We know the issues all come from the mortgage application. Broker is still adamant that he tried maiden name and it was refused but my married surname worked and he thought he was doing us a huge favour getting us a good deal. We think that he applied in my married name and never my maiden surname
as I haven't ever been rejected for credit but we are to far down the process for it to be changed now. So his mistake but now it's to late

I'm now being asked for proof of my name which obviously I don't have .

It's rubbish. The mortgage deal he's got us is also really good but again because it's so far down the process we have to stick with this one and I change my name to get it or go with our current provider and pay more per month.

DH and I are going to work out what we want to do tonight . Due to the fact our current mortgage deal is also up we are stuck on a limited time frame otherwise I would look for a new advisor .

I'm also led to believe because this is pending as a mortgage now we can't re start the process as it's showing on our credit files

Utter nightmare

OP posts:
Ostara212 · 26/05/2021 18:18

"We think that he applied in my married name and never my maiden surname"

Didn't you have to sign your application?

If he submitted a wrong name, he should say so. Then you could show your marriage certificate and it could still go through?

Ostara212 · 26/05/2021 18:19

Also, if your maiden name was refused, he should have told you right away.

Marmite27 · 26/05/2021 18:24

When halifax changed my name a few years ago, I went into branch, told them and they got on the computer and did it. Didn’t ask to see ID marriage cert or anything. I was Shock having just come from HSBC where they practically needed my inside leg measurements.

Original poster
LJC1234 · 26/05/2021 18:28

@Ostara212

"We think that he applied in my married name and never my maiden surname"

Didn't you have to sign your application?

If he submitted a wrong name, he should say so. Then you could show your marriage certificate and it could still go through?

All forms signed in my maiden name.

Honestly it's such a ridiculous situation.

OP posts:
Original poster
LJC1234 · 26/05/2021 18:29

@Ostara212

Also, if your maiden name was refused, he should have told you right away.
Yes! This is the bit that's meant it's all gone wrong.

I actually don't believe it was turned down. I just believe he proceeded in my married name by genuine mistake and now we are to far to stop

OP posts:
Ostara212 · 26/05/2021 18:38

Yes, I think he is covering his own errors and denying you the chance to correct them.

Is it worth trying to appeal to his better nature, does he have one? Genuine question, obviously I don't know the guy!

spongedog · 26/05/2021 18:38

@gmailconfusion2

I had this by nationwide. 'the more works is a subsidery of them, and by me submitting my details for them to be our broker apparently this meant they could automatically update the names on all my accounts with nationwide wide, without telling me, meaning I couldn't access my account over the phone. I took paperwork, I shouted, and they refused to change it back. The financial ombudsman was no help so I shut my accounts and left.
I am stunned by this My background: chartered accountant for over 30 years financial services and very knowledgeable on GDPR. I believe that stance to be in breach of that legislation and the various rights you have as an individual. The ICO might be interested.

Nothing shocks me about Nationwide's incompetence however.

Original poster
LJC1234 · 26/05/2021 18:59

@Ostara212

Yes, I think he is covering his own errors and denying you the chance to correct them.

Is it worth trying to appeal to his better nature, does he have one? Genuine question, obviously I don't know the guy!

So I may have the wrong end of the stick but I think the issue is more the mortgage has proceeded to such a state now where it needs to proceed and can't be changed so we don't have many options. . I may be wrong but until today we ( naively ) thought oh well Halifax are being difficult let's try NatWest but because it's pending it now shows on our credit so we can't apply for others . ( prepared to be told I'm wrong but from what we have researched that seems to be the state of play)

I spoke to him for a long time earlier and i don't think he will admit the error. He did sound slightly unhappy when I told him I had raised a formal complaint about my credit cards being changed .

I think I've decided to change my name. It really angers me I need to do it and husbands happy to walk away from the good deal and take our current crappy one so I don't have to but we sat down and worked out such a big monthly outgoing difference . It seems like the easiest ( but also most ridiculous) way out of the whole saga.

Sleeping on it tonight I think.

OP posts:
chesirecat99 · 26/05/2021 19:14

What happens when you current deal expires? Every time my deal has expired, it just moves to a standard tracker mortgage but there is no longer a contract tying you in, you can move at any point. You would just be paying a bit extra in interest for however long it takes to sort this out. As you said you intend to change your name and haven't got around to it, I would just do that.

Mistake it 100% was his misogynistic mistake or deliberate, presumably you didn't give the mortgage broker permission to apply using your married name, he just took it upon himself to do that? I would be making a complaint and asking for any losses incurred by the delay, as well as a refund of his fees as a goodwill gesture.

chesirecat99 · 26/05/2021 19:20

Out of interest, does your credit file now show both your names? Have you tried checking to see if there is a separate unlinked credit file in your married name, as if you were another person? That could be the only feasible explanation why you were refused in one name and not the other except you probably weren't, he's lying.

pinkoctopuss · 26/05/2021 19:23

Can't you just change your name back once the mortgage has gone through? Grin

Original poster
LJC1234 · 26/05/2021 19:25

@chesirecat99

Out of interest, does your credit file now show both your names? Have you tried checking to see if there is a separate unlinked credit file in your married name, as if you were another person? That could be the only feasible explanation why you were refused in one name and not the other except you probably weren't, he's lying.
Do you know how I could check? Experian has absolutely nothing linked to my married name just my maiden name
OP posts:
Original poster
LJC1234 · 26/05/2021 19:26

@chesirecat99

What happens when you current deal expires? Every time my deal has expired, it just moves to a standard tracker mortgage but there is no longer a contract tying you in, you can move at any point. You would just be paying a bit extra in interest for however long it takes to sort this out. As you said you intend to change your name and haven't got around to it, I would just do that.

Mistake it 100% was his misogynistic mistake or deliberate, presumably you didn't give the mortgage broker permission to apply using your married name, he just took it upon himself to do that? I would be making a complaint and asking for any losses incurred by the delay, as well as a refund of his fees as a goodwill gesture.

In the stress of this saga I hadn't even considered that our current deal may not be another 2 year tie in! I will absolutely check this in the morning as that is one less thing to stress about if it's a rolling contract
OP posts:
WeAreTheHeroes · 26/05/2021 19:31

In your shoes I'd be going to the mortgage broker's manager. This is appalling, especially in relation to financial matters because it can cause such issues. There's no way I'd change my name. He's admitted making a mistake - it's on him to put it right.

Original poster
LJC1234 · 26/05/2021 19:36

@WeAreTheHeroes

In your shoes I'd be going to the mortgage broker's manager. This is appalling, especially in relation to financial matters because it can cause such issues. There's no way I'd change my name. He's admitted making a mistake - it's on him to put it right.
He's an independent mortgage advisor so sadly not possible
OP posts:
WeAreTheHeroes · 26/05/2021 19:40

Ah - I did wonder about that. They are regulated though. Obviously it's up to you and you've explained the complications, I'd asking how he's going to fix things? If you don't go ahead with him he won't get his commission. Seems wrong that he's caused you issues, you'll have a load of work to do changing your name, but he makes money out of the situation.

nameychange · 26/05/2021 19:55

Surely the mortgage offer not being given would show on your credit record. If it doesn’t then is that proof he never put it through in your maiden name.

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