I've been trying to finalise my home loan quotation with FNB and am becoming very frustrated with the slow progress being made. And the more it's delayed, the less time I have available to secure a bond, and so the less bargaining power I have.
If I was a cynic I'd say that their delays are deliberate to put themselves in a stronger position to coerce their terms and conditions.
I'm currently waiting for someone from their Risk and Compliance Department to call me, as I pointed out some problems with their contract, to which the consultant replied: "it's a standard letter - we can't change it".
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