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Anna M

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Review of the JLM Mortgage Services, Mortgage Broker:

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No knowledge to deal with pre-cast concrete

I have been dealing with a man called Andrew Steinbach from 17/12/24 to 30/01/25 during which he proved to have no plan, no strategy and no knowledge to deal with my mortgage case. Having my Nationwide mortgage refused by a surveyor as the house was built from "pre-cast concrete", I called other high street banks, which confirmed they also categorically refuse loans for this type of construction. I took advice from two mortgage advisors, and then I was directed to the third one, Andrew, by the seller. Andrew was posing as a confident specialist representing a company. However, I had a very bad opinion about him from the very beginning, as Steinbach was not listening, not taking my preferences under consideration (trying to force me to take long-term mortgage as if he was deaf I've a high deposit and a high paying job), which led me to the conclusion he is prejudiced against successful migrant women. Despite my reluctance towards small lenders, he insisted to make unfavorable application with Accord Mortgages, the company another advisor from Mojo confirmed as not issuing loans for "pre-cast concrete". Nevertheless, Andrew made it, but it took him from 18/12/24 to 6/01/25!!!: constantly made excuses why he is not available ("off", "Christmas", "family arrived"). We were supposed to have a call, he kept postponing it from 21st till 30th Dec '24. Wtf was this man doing if making a mortgage application takes 30min!? They applied with Accord only on the 9th Jan 2025. And guess what? 16/01 Accord REJECTED it. Steinbach's next ingenious imbecilic idea was to apply with Santander to which I reminded him I've already told him that I've had called Santander before I met Andrew and they're not lending for "pre-cast concrete". I also showed him news that Santander will depart from the UK market; after that he kept silent, then proposed I call Lloyds to remove some pennies unpaid charges from my credit record because "it'll boost your credit score immediately" (the score he screwed himself). And guess what? They didn't! Lloyds also confirmed that an overdraft made after an account was closed cannot be removed. Thus, you see, 100% of what this man told me was wrong. He possesses not enough education, no knowledge, plan or strategy to advise people on mortgages. His moves are chaotic, uniformed, uncoordinated, he can't even stick to the hour he proposed to call. Steinbach wasted two months of our lives: house is back on the market, sellers lost their dreamed countryside purchase, and I ended up with a destroyed credit score - all due to incompetence of Andrew Steinbach. Reviewed on: 10th February 2025

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