hauwatcha
2010-12-24 00:12:02
- #1
Hello,
Thu 25.11
On Thu 25.11 I received an offer from Sparda Hannover consisting of two Wohnriester building savings contracts and a separate loan, this is not the topic of discussion, the structure fits.
Fri 3.11
On Fri 3.11 I submitted all necessary documents that are required according to the Sparda checklist (notary contract, building insurance, etc. etc) at the branch.
Fri 10.11
On Fri 10.11 when I was at the bank again, I had to find out that none of the documents had been submitted for review.
I signed and submitted all the documents with my wife on Fri 10.11. I expressly told him to initiate everything on Friday.
Tue 14.12
On Tuesday 14.12 I informed the bank that I had signed with the notary, before that I had emailed and called the bank several times until I finally reached him. He confirmed to me that everything was going according to plan and that he had obtained the approvals from Schwäbisch Hall.
Thu 23.12
Today I received a letter from Sparda Hannover stating that due to a very short-term interest rate increase, my application which I signed on 10.12 allegedly did not arrive at the building society in time by mail and therefore, unfortunately, only an interest rate of 3.6% can now be granted.
Quote: Unfortunately, I must inform you that the application did not arrive at the building society as planned on Monday 13.12. As a result, the conditions have changed. Unfortunately, we have no influence on postal delivery and the dispatch of letters.
Instead of 3.45%, I am now supposed to pay 3.6% nominal. This amounts to 180€ p.a., about 2400€ over ~13 years.
About 15 euros monthly.
Mon 13.12
However, we have already received an approval for the loan part (disbursement phase) from the building society. This is dated Monday 13.12. That means the application must have already been there on Monday.
I find this absolutely unacceptable. I have an appointment at the bank on Monday, then things will be spoken plainly. In my opinion, the poor advisor was sloppy or very overloaded and could not keep up with the applications. Do I now have to pay for that?
I am grateful for any argumentation and negotiation strategy.
Despite this outrage, unfortunately no other bank can compete with the conditions.
Best regards and happy holidays to all.
Thu 25.11
On Thu 25.11 I received an offer from Sparda Hannover consisting of two Wohnriester building savings contracts and a separate loan, this is not the topic of discussion, the structure fits.
Fri 3.11
On Fri 3.11 I submitted all necessary documents that are required according to the Sparda checklist (notary contract, building insurance, etc. etc) at the branch.
Fri 10.11
On Fri 10.11 when I was at the bank again, I had to find out that none of the documents had been submitted for review.
I signed and submitted all the documents with my wife on Fri 10.11. I expressly told him to initiate everything on Friday.
Tue 14.12
On Tuesday 14.12 I informed the bank that I had signed with the notary, before that I had emailed and called the bank several times until I finally reached him. He confirmed to me that everything was going according to plan and that he had obtained the approvals from Schwäbisch Hall.
Thu 23.12
Today I received a letter from Sparda Hannover stating that due to a very short-term interest rate increase, my application which I signed on 10.12 allegedly did not arrive at the building society in time by mail and therefore, unfortunately, only an interest rate of 3.6% can now be granted.
Quote: Unfortunately, I must inform you that the application did not arrive at the building society as planned on Monday 13.12. As a result, the conditions have changed. Unfortunately, we have no influence on postal delivery and the dispatch of letters.
Instead of 3.45%, I am now supposed to pay 3.6% nominal. This amounts to 180€ p.a., about 2400€ over ~13 years.
About 15 euros monthly.
Mon 13.12
However, we have already received an approval for the loan part (disbursement phase) from the building society. This is dated Monday 13.12. That means the application must have already been there on Monday.
I find this absolutely unacceptable. I have an appointment at the bank on Monday, then things will be spoken plainly. In my opinion, the poor advisor was sloppy or very overloaded and could not keep up with the applications. Do I now have to pay for that?
I am grateful for any argumentation and negotiation strategy.
Despite this outrage, unfortunately no other bank can compete with the conditions.
Best regards and happy holidays to all.