Advice Please Mortgage Natwest

[Fireballxlfive]

Can you help or advise please,

 

I complained last month to Natwest that I had been mis sold a mortgage package,

they have written back saying they don't agree and "I have reviewed our records and I can see that you applied for a mortgage with us in 2006

and discussed your requirements with the PMA, who completed a "Your Mortgage - Our Recommendation to you"

fact find to ensure the right mortgage product was offered to you."

 

The copy they supplied me as proof is false and somebody has tried to forge our signatures, we have not signed this, what is the consequences for the bank.

 

thanks in advance for your advice.

Edited September 14, 2013 by honeybee13

[Conniff]

Have moved you into the Bank and Finance Subforums:- NatWest Bank section

[citizenB]

If someone has indeed attempted to copy your signatures on to a document then that would be a serious matter.

 

I am not sure whether you should be making a complaint to the bank or to the Financial Ombudsman or Financial Conduct Authority ?

[steampowered]

I'm not sure the forged signature by itself will have many consequences. There may be licensing consequences for the individual who is responsible but I'm not sure you would get much more than that. Perhaps it is better to focus on the mortgage misselling issue.

 

I think the first thing is to get your evidence together. If you want to say the signature is forged you will need some evidence of this - can you compare it to your signature on the application form, loan agreement and deed of pledge? Or perhaps the signature on your driving license, passport and any other similar documents?

 

When you have the evidence, you can send a letter to the bank attaching evidence of what your signature looks like. You can then see what they say and escalate to the FOS if needed.

[Fireballxlfive]

Thanks I am waiting for a call from Natwest Monday,

 

I will ask them to compare the signatures to the actual mortgage application form which is what we would have signed.

 

My argument was that we should have been advised to take out standard bank loans for some other commitments we consolidated with the mortgage.

 

I have said to Natwest we have not signed this,

 

I am very careful with paperwork but do not have a copy of this recommendation.

 

I have sample signatures going back years and both signatures have never changed apart from my wife's when we got married.

 

Do you think I will get any compensation ?

[steampowered]

We shall see. Not sure you will get any compensation just for the forged signature. If misselling is proved then yes, possibly.

 

Why do you think you would have been better off with standard bank loans rather than consolidating them onto the mortgage?

[Fireballxlfive]

In hindsight we should have just switched the mortgage from Halifax to Natwest as we were already existing customers personal and business, the credit card and loan agreement should have been switched to a Natwest agreement with loyalty discounts etc as we were not in any difficulty and keeping up payments etc

[Fireballxlfive]

I remember him saying something along the lines of "Consolidation is a preferred way for banks".

[Fireballxlfive]

In his hand writing it says Affordability / Income > calculator is a "pass"

 

check commitments > All being repaid.

[Fireballxlfive]

Spoke to Natwest they are starting an internal investigation, I scanned copies of our passports signed in 2007 and old type driving licences signed in 1999 showing the signatures have not changed over the years, FOS are sending a form to complete should a response from Natwest be unsatisfactory. Thanks again for all the advice.

Edited September 16, 2013 by Fireballxlfive