Royal Bank of Scotland Mortgages

What a collective waste of oxygen is the workforce of the RBS. They still only seem to want to lend money to people who can't afford it while all the time pretending that their procedures are there to sort out the high risk borrowers. They seem to have overlooked the "convenience" borrowers. The ones who borrow for expediency rather than need. Thank goodness there are other better companies out there. With luck, RBS will not be on the high street for much longer.

I have been with RBS for 20 years now and had a mortgage for at least the last 6 years, just asked for additonal borrowing for an extension to be declined by this faceless organisation, I have 50% loan to value and have never missed a payment on anything.

After 2 x 40 minute phone calls they said all was ok and the paperwork would be sent out.

Also advised 2 years ago that I had life cover but they infact added payment protection when I tried to claim the money back was told no, is this the real reason for the recent decline, as I say avoid like the plague if this is how they treat a long established customer just think what it they will do to new customers. I will be cancelling any commitments they offer, Mortgage, Car Insurance through Direct Line and will never support any RBS Company in any way shape or form.

Totally Incompetent - Failure to properly update records - Failure to respond to customer requests - Don't go anywhere near RBS!!

Applying for our first mortgage, there was no mortgage adviser in store so just put us on the phone which really there should be a trained adviser in store we could speak to, anyhow the call should be an hour long call (max) we left 2 and a half hours later making us miss an appointment with another lender. Staff in store couldnt believe how long we was on the phone for and said we would recieve compensation (still not recieved). Passport etc photocopies were made RBS misplaced and had to go back. They then wanted P60 which my local RBS faxed to the mortgage team they didnt recieve and had to go back (having to take time off work for). My partner banks with Rbs to begin with and was told he didnt need passport etc or clarification of signature. Just as we finally though we was getting somewhere RBS ring we need your partners passport and clairication of signature 4 days before we go away on a 3 weeks holiday! We now are in potential danger of loosing our first home.

It's a very bad experience applying mortgage from them.

Firstly, the mortgage team is very very poorly trained. When you phone them, you would get different answer from different people, so it depends on luck if you can get correct answer.

Secondly, everything is slow and poorly organized. one day they would tell you something would be done tomorrow. But when you contacted them the next day, they told you again it would be done tomorrow. Once I need send them a document. I give it to the mortgage adviser at Norwich branch on Saturday, who told me he would send it out on Monday morning and the mortgage team would receive it on Monday afternoon. But the document seemed lost. The adviser resent it on Wednesday by fax, which was not received either. Another fax on Friday finally sorted it out. It's like a joke.