Has anyone else found Nationwide's mortgage service completely fucking useless?
We got an agreement in principle in July.
Made the official mortgage application.
Sent a load of information. They said there was a 2 day turnaround.
No word from them for a couple of weeks.
Called to chase: they said we didn't have an agreement in principle.
We showed them the AIP they'd sent to us 2 weeks previously.
They couldn't really explain that. Eventually they said it had probably been rescinded. Couldn't say why, or why we hadn't been notified if this was the case.
Went to underwriters who asked for all the information we had already given them. We sent it again. Several days later they asked for the same information but in different formats. We obliged. A few days later they asked for the postal address, email address, phone & fax of our accountant, which was on the letterhead of the certificate she'd sent them. We duly typed it out for them. They said everything was being held up because our accountant wasn't replying to their emails. My accountant tells me she hasn't had any emails from them. Eventually Nationwide admits they haven't sent her any emails as they couldn't find her email address (which I'd sent them 3 times by this point).
Got an email today to say our mortgage has been approved! Great news. I asked for official confirmation. They sent me an agreement in principle. The same one we'd had last month, dated 18 July. So, our mortgage had not in fact been approved at all. We've just gone back to where we started a month ago, before they randomly 'rescinded' our AIP without telling us.
They now want us to have the same phone appointment we had last month to apply for a mortgage, and have asked AGAIN to see all the information we've already provided them with TWICE.
We've been told by one person that we can port our mortgage and by another person that we can't; we've been told by 4 different people either that we will or won't have to pay an early repayment fee of anything from £6k to £8k.
I am so stressed - our sellers desperately need to move as their children are starting school in a new city in September, and we've been hassled out of our house by our buyers so we're going to be in temporary accommodation for at least a month, and we may not know for weeks yet whether we can even buy our new place because Nationwide can't tell their arse from their elbow. Any time we ask to speak to a manager we're told there aren't any (which doesn't surprise me in the slightest).
Are all mortgage lenders like this, or is Nationwide a special beacon of incompetence?