homeloan nightmare to homeloan dream

<p>At the tail end of 2015 I had app**** for a home loan with my bank FNB, all was well and all approvals were given. as this was a new development, the process took a bit time, and I then went through a second assessment around June/July 2016 - bearing in mind that I had already taken occupational rent in April 2016-FNB then(with no verbal or email communication with me)declined my loan .</p> <p> </p> <p>I had a used a bond originator who called me to tell me this wonderful news, we then had to start the process again, keeping in mind I would be basically homeless should they decline me again.</p> <p>FNB did approve me but for half the amount I needed, needless to say my life had become nothing but sleepless nights, I even used excess funds to pay off anything weighing me down, this still did not help, I provided a restructured salary slip and on top of that an increase letter again this did not help(even though the excess funds were more than enough and affordability was now a non-issue).</p> <p> </p> <p>Up to this point I had left everything in the hands of the bond originator, after all it was her job right? Wrong, I cannot verify what was going in the background but I didn’t feel as if they realised how serious this was for me. I then decided to take matters into my own hands, for whatever reason the originator (which I am choosing not to name at this time) could not approach Nedbank for me initially or at this time as 1. It was too long ago and 2. I was not an existing Nedbank client (according to agreements between ned and the originator) . I then went to them in my personal capacity this is what happened :</p> <p>· I visited the Nedbank Sandton City branch</p> <p>· I was immediately assisted</p> <p>· I had the absolute pleasure of dealing with Sello Moilwa – Sales Consultant</p> <p>· I app****, and was also told that my credit is great and he has no idea why I would be having issues</p> <p>· The next morning (under 24 hours) home loan approved !</p> <p>· Let me say that again UNDER 24 HOURS, I was the ready to move over ALL banking to them and ready to end the nightmare .</p> <p>I forwarded the quote from Ned to the bond originator and stated I’m happy to move my banking to Ned, at this juncture clearly my banks criteria had changed because suddenly they had approved me as well with a slightly better rate even….</p> <p>I unfortunately stayed with my bank, but the end to this chaos could not have been reached without Nedbank. A big thanks to you, and to be honest, you might find me knocking at your door to become a client very, very soon.</p> <p>I would also like this to be to add had Nedbank not approved me, I would still be logging a compliment for Sello Moilwa, the sales consultant at the Nedbank Sandton City Branch, not only was he patient and helpful , but his demeanour calmed me down a great extent considering my predicament.</p>