I really dislike being pressured into decisions.
We started using an “independent” mortgage advisor when we first thought about buying a house. The way this worked was that we agreed a particular fee on completion of purchasing a house through him. At first it seemed like the right decision because we’ve never bought a house and it was useful to speak to somebody who seemed to know what they were talking about.
We then put in an offer on a house and spoke to the Estate Agent’s mortgage advisor. For this there was no fee. We were not pressured into anything and they were helpful, polite and went out of their way to explain things we didn’t understand. We decided, therefore, to dispense with the services of the independent advisor as we were offered the identical mortgage through the estate agents with no fees. No fees and dealing with the same people for everything seemed the most sensible course of action.
Shaking off the independent advisor has been like trying to remove something from your shoe when there’s no grass around. He was rude and unpleasant to Hannah when he called and wouldn’t accept her “no” as from both of us. I stuck to my guns though, and told him that that was our decision.
So, that seemed like that. But, we then had a call from “the boss” to try and persuade us to change our minds. He said he’d waive our fees as we were “an important customer”. He also thought he could get a better deal for us with Scottish Widows (currently going with Northern Rock), but the monthly payments were only fractionally less and it was borrowing less money than we need. He also patronised us by saying he would like to see us to give us some “fatherly advice”. Condescending idiot.
I will not be using their services regardless. I do not like being bullied into a decision. Sales people should apply pressure without seeming to, or convince you to buy their product with logical argument, not slagging off the competition.
We’re seeing Rob from Dixons this afternoon to go through the paperwork. If I am phoned again by the independent advisors I will tell them that my final decision is made and I will consider any other contact unsolicited.