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It's odd that wasn't discussed, usually it's the other way around. People getting x-col and no discussion took place. Well good to know that you aren't crossed, but would of been nice to had bit more info :)

Yes sounds like CBA mortgage innovators, which are bank brokers. k88k did she discuss x-coll, your assumption was she got lucky. As mentioned previously, you don't just get lucky and not x-coll. It would of been a deliberate set up. But sounds odd that wouldn't of discussed or come up...

Exactly my point. The rational should be costs at discharge, to both the bank and the client. I believe it's done that way because they don't know better. And again my point it's coming from poor training. The multiple product I can understand, making the banking easier they're less likely to...

Benefiting the bank is silly IMO the extra work x-col going wrong causes it stupid and a waste of money. The extra time the discharge team has to spend on the files, the extra valuation costs, along with the extra time spent dealing with a seriously pissed off customer. It's so counter...

I've mentioned this on the forum in discussion previously, you would find people switching channels and sourcing finance through different people because they haven't been satisfied with the service provided, a lot of the time they didn't know there was a disservice until after the fact ie...