Ugh I’m so stressed out at this point I could cry. Long story short our mortgage application has been a living nightmare.
Essentially up until mid December we had a hefty nursery bill, and claimed tax credits accordingly. My son has now turned 3 so is eligible for the free 30 hours offer. Tax credits statement the mortgage company had clearly says childcare paid between 1/4/19 and 14/12/19. This wasn’t good enough for them and they took childcare into account.
Over the past 8 days they’ve suggested various proofs I could source, which I have done. Firstly a council email proving we’d been accepted into the offer. Then an email from his nursery confirming his place is fully funded and no top ups are paid. They left us hanging until this afternoon when they finally came back and said actually, no, the only proof they would now accept is an amended tax credits statement showing no childcare!
Thank goodness tax credits were really helpful and have generated a new one which she thinks will now say £0 childcare a week. But that might take 2 weeks to land on my mat and in the meantime we’re in limbo with no survey and no legal action going on for either our sale or purchase. I’m so fed up of it. Remind me never to move again.