I started my home buying with a call to Daniel Filipi at the Bank of England Mortgage from a referral from a friend that had a great experience.
I wanted to ensure that I should/could buy at this time. He gave me assurance that I could.
I wanted him to know I was a straight-shooter and wanted complete honesty from the start. He was onboard.
Everything started perfect. I sent all pertinent information to him before he even asked.
I did all my homework and never wanted to be the one that he was waiting for information from.
As the process went along, and I asked questions.. things just started to go south.
He seemed to get irritated, and would talk down to me, always had to have the last word… and in the end stopped answering all my questions.
The day of closing, I was at the table ready to sign for the house at the title company still with questions unanswered.
I have email, and text that show unanswered avoidance… but it took my sales agent a quick call to Dan to find out the answers.
I am truly unsure why I couldn’t get the truth, and I ended up with a deficit come closing.
I did not get the monies back at closing that I was told I was. I needed that money back like he told me.
Turns out there were additional fees that he kept from me.
Yes, they were additional, and have been pointed out to me by my sales agent upon explanation at signing, and by David Ricketts the area manager of Bank of England.
I know this now, and would have appreciated full-disclosure along the way, then I would not have counted on getting it back.
Why would they set me up for failure right from the start(this is how I am left to feel.
Assumptions are all I have left to go by since I cannot get an explanation from the BOE).
I had asked multiple times during the process of Dan about getting the money back that I paid-out, never got an answer back.
Perhaps because I am not rich and only qualified for a FHA loan, they don’t make enough money off my loan, I don’t know(again, I am left to make assumptions)
I contacted David Ricketts the day of my closing in hopes of some explanation.. and his main question to me was, “what can we do to make this right”.
Without a beat, “I feel that it would be to make-up the difference and give me the money back that I was told I would get from the start”, period.
He seemed reluctant, but said he would ask his legal department what he can do.
David also does not seem to have much concern for my business as I asked him for a TAT and he said he would get a letter to his legal department that Monday.
I would hear back from him… by Friday I was sure I meant nothing to them.
Now, just about two weeks out, I am writing this review in hopes to keep people from utilizing the Bank of England.(unless you are rich.. then I am sure they will treat you right)