Thursday, May 16, 2013
From my last post you may surmise I am moving house. It's supposed to be one of the most stressful things you can do in life. Things like this story make it so.... We travelled 600 miles to see some houses. Liked one, spoke to the owner and told her we would make an offer of £X amount, to which she agreed and said 'when I say I am accepting that offer I stick to my word'.
It did remind me of that scene in Jerry Maguire (remember the Dad, pictured above? 'My word is my bond')
So, we get the letter from her estate agents saying the offer has been accepted, and I get my solicitors on the case.
Next day, we get an e-mail from the estate agents, apparently the ladies son thinks we should pay another 2K !!!
So I ring the estate agents and ask if there is a daughter who is going to ask for a bit more too, or maybe a neighbour? I thought we had made an agreement that had been accepted...hadn't they just sent us the acceptance letter?
So yesterday I get home and there is a message on the phone, the seller is now adamant that we must pay the extra 2K.
Forget that, I'm not buying.
To me it's like being in the supermarket, having your shopping totted up at the till and someone behind you in the queue saying to the cashier she should charge me a bit more. What's it to do with him? But then, the cashier does start adding more on because the bloke behind me is a relative of hers.
Man, just like that scene from Jerry.
I hope I'm not bitter, but I hope the house doesn't sell now and they have to offer it for about 20K less...then I may, just may consider it again.
Monday, May 13, 2013
I've been trying to get the telephone number of my local HSBC so I can go in and talk about my mortgage.
I typed in the branch on Google and got the telephone number, but when I rang it, it asked to input my account details and sort code. I didn't have them on me so just left that, after all, all I want to do is arrange a visit.
I finally got through to an Indian call center where the operator literally spoke like an automated message.
I said what I wanted, but he wanted me to answer lots of questions first about accounts etc.
I said all I want to do is arrange a visit to my local branch.
I was then put on hold for ages.
Then a Scottish man came on the phone, so I went through it all again saying all I want to do is arrange a visit to my local branch.
He said I should use the special phone service for mortgage related enquiries.
So I asked, don't you like people going into the local branch?
He said it takes 2 weeks to arrange an appointment.
So, the next day i use the mortgage hotline.
I get through to someone who wants all my account info, this time I am prepared. But then he asks for monthly payment amounts and original loan amounts. This is after answering all my name/address/account number/second account holder questions.
I don't have that on my. So I give him the figure for my current balance...but that isn't good enough and he informs me I've answered something incorrectly and now my account has been locked. I will need to visit my local branch to unlock it.
I explain all I wanted to do is arrange a visit to my local branch.
I am now booked in for Saturday, what a pain in the neck!!!!!