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Usually they will give you a fixed rate over the phone.
They may say "this may not be the rate they give when you sign back the form"
Did you ask for a fixed rate over the phone?
Did you google how existing customers can apply for fixed rates.
Did you download the form and send it off?
And after all that you peruse it until you get the result YOU want.They didn't.
They didn't.
Yes. Three times.
No. I contacted my branch and asked them - three times.
No. I contacted my bank and asked them to send me whatever I needed.
I still don't see how it is 100% my fault. If standard bank procedure is to ignore customer's requests until they make contact a certain number of times then yes it is my fault. Otherwise I feel the bank is at least partly to blame for this.
When you asked for a fixed rate over the phone what answer did they give you?
You made the initial enquiry in September 2009 fixes rates ended in April 2011 and you seriously think the bank is at fault?
On each occassion they said that they were unable to tell me as it depended on various factors such as loan to value. And on each occassion they said that they would look into it and send me out correspondence detailing what fixed rate they could offer me
You can hardly say that I am 100% at fault and the bank did absolutely nothing wrong? I requested them to inform me what fixed rate they could offer me and send out correspondence in relation to same. They undertook to do this (3 times) and failed to do so. Surely that makes them negligent to a certain extent?
"My loan to value is 60%" Okay sir the rate in your case is 3.2%. I take it that you told them the loan to value?
If not how do you expect them to tell you the rate?
"My loan to value is 60%" Okay sir the rate in your case is 3.2%. I take it that you told them the loan to value?
If not how do you expect them to tell you the rate?
They are in no way negligent. It baffles me that you think oterwise.
Of course I told them. They kept saying that they would have to look into it and get back to me with what fixed rate they were willing to offer me.
Are you suggesting the op didn't make the phone calls ?
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