You gotta love banks.... right??
Rare, I know, but this is a grumble from me....
I have a property to settle today. It's in my husband's name and so is the bank loan.
Weeks ago I went through all mortgage docs and there was a direct debit form, which only gave me the option of debiting (sp?) from an ANZ account (oops!! bank name escaped me) and we don't have any ANZ accounts. So I ring the mortgage unit in Melbourne, and ask if I have to have an ANZ account or can I set up a direct debit with another bank's account. I was told, no, that's fine, once the loan is settled you can arrange for payments to be made from another account. I sent the form back with a big line through it and a comment like "arrangements to be made for direct debit from account held at another bank". Just so nobody would think I'd accidentally missed it.
At 930am this morning my broker rings in a panic, ANZ have rung to say they can't settle without an account to direct debit payments from.
So I race around like a hairy goat, get down to a branch, open an account, ring through the details to the broker... problem solved.
Get another call 15 minutes later. The new account is in my name, the loan is in my husband's - so they don't want to accept it. They won't even accept it if it's a joint account, which I thought I might be able to wangle.
So, there's my hubby at work, with not enough docs to get 100 points even if he could get to a bank branch and open an account.
So I gave my broker full permission to spit the dummy with ANZ about it all, given that I'd been told all this wasn't necessary.
Finally, after much dummy spitting by said broker, they grudgingly agreed to settle today on condition that hubby opens a bank account first thing Monday.
Honestly, sometimes you really wonder about these places..... and that's a polite way of expressing my thoughts!
Rare, I know, but this is a grumble from me....
I have a property to settle today. It's in my husband's name and so is the bank loan.
Weeks ago I went through all mortgage docs and there was a direct debit form, which only gave me the option of debiting (sp?) from an ANZ account (oops!! bank name escaped me) and we don't have any ANZ accounts. So I ring the mortgage unit in Melbourne, and ask if I have to have an ANZ account or can I set up a direct debit with another bank's account. I was told, no, that's fine, once the loan is settled you can arrange for payments to be made from another account. I sent the form back with a big line through it and a comment like "arrangements to be made for direct debit from account held at another bank". Just so nobody would think I'd accidentally missed it.
At 930am this morning my broker rings in a panic, ANZ have rung to say they can't settle without an account to direct debit payments from.
So I race around like a hairy goat, get down to a branch, open an account, ring through the details to the broker... problem solved.
Get another call 15 minutes later. The new account is in my name, the loan is in my husband's - so they don't want to accept it. They won't even accept it if it's a joint account, which I thought I might be able to wangle.
So, there's my hubby at work, with not enough docs to get 100 points even if he could get to a bank branch and open an account.
So I gave my broker full permission to spit the dummy with ANZ about it all, given that I'd been told all this wasn't necessary.
Finally, after much dummy spitting by said broker, they grudgingly agreed to settle today on condition that hubby opens a bank account first thing Monday.
Honestly, sometimes you really wonder about these places..... and that's a polite way of expressing my thoughts!