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hpcuser001

Mortgage Refused without explanation: Post Office (Bristol & West) 4.45% Fixed 2014

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We were informed yesterday that our mortgage application has been declined even though we had an approval in principal (AIP).

 

We have spoken to the underwriter, who refused to give any details as to why we were turned down. They advised that they were under no legal obligation to disclose any information.

 

 

Letter received from Post Office about mortgage refusal:

-------------------------------------------------------------------------------------------------

 

Further to previous correspondence unfortunately information has come to light, which means we cannot proceed with your application. Your valuation fee of £XXX has been refunded.

 

As this is a joint application, the credit reference agency search we have carried out will have created an ‘association’ between the applicants. An association simply means that any future credit search made against one of the named individuals will also provide the credit file information for the linked applicant. The association itself will not affect individual credit ratings, but lenders make take the credit file information of linked individuals into account when considering further applications for credit or financial services (even if a linked individual is not part of the new application). The association will remain until one partly successfully applies to the credit reference agency for ‘disassociation’. You may find it helpful to obtain a copy of your consumer file from one or both of the credit bureaux operating in the UK. You must apply in writing and include a payment of £2.00.

 

Experian & Equifax

 

We are sorry that we cannot help you with this application.

 

-------------------------------------------------------------------------------------------------

 

We have checked both Experian and Equifax and our credit ratings are 999 & 996 with no other information on there to indicate any bad debt. We are joint applicants and the only associations we have is with each other. We are putting down a 57% deposit and we have excellent credit ratings as far we can see on the two reference agencies. So we have no idea where to go from here to rectify whatever the issue is.

 

Any ideas on what to do?

Should we apply for another mortgage?

Edited by hpcuser001
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We were informed yesterday that our mortgage application has been declined even though we had an approval in principal (AIP).

 

We have spoken to the underwriter, who refused to give any details as to why we were turned down. They advised that they were under no legal obligation to disclose any information.

 

 

Letter received from Post Office about mortgage refusal:

-------------------------------------------------------------------------------------------------

 

I would appeal the decision attaching copies of your experian report. Have you checked both credit agencies they refer to?


You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

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court bundles for dummies

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Yes, both agencies come up with the same results.

Edited by hpcuser001
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Yes, both agencies come up with the same results.

 

 

I have contact B&W and quoted the following from the Banking Code 13.3:

 

"If we cannot help you, we will explain the main reason why if you ask us to. We will give you this, in writing or electronically, if you ask."

 

Managed to speak to the underwriters manager, who has now overturn the decision and has re-instated the application, due communication issues. :)

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