Bill May 18, 2009

Why single out NAB. How are our other “Major” banks doing? I would say not much better at all. But do share. Cheers!

Tarek Baytieh May 18, 2009

Has anyone checked how St G & RAMS are travelling of late? I don’t believe NAB Broker is the lone wolf here!

Broker May 18, 2009

And you want to know that the funny thing is? Well they all say that “Well Rams take 4 weeks” as if this is the benchmark now. So lenders who blow out on servicing times then ask us to consider the alternative - Rams. Maybe the other lenders should also point to NAB as the benchmark.

And what unprecedented levels of lending do they cope with when the max LVR on purchases is 90%. Who are they trying to kid?

Paul May 18, 2009

The thing that really does it for me is that these lenders are intentionally allowing these service times to blow out for broker business but not for their direct channel business.

To confirm that lenders are intentionally allowing these times to blow out just look at St George. They are offering a special on their basic product (to attract more business). Zero application fee and a reduced rate.

If these bastards were serious about improving service they would stop offering specials & stop spending money advertising for new business, get their credit departments operating to a 1-2 day pick up time frame. Then gradually increase spending on advertising & when capacity is in place, start offering specials. My belief is the poor service is a strategic move conceived by small minded managers.

LCRaider May 18, 2009

Interesting to note that NAB stated a “recent external supplier technology failure” has contributed to their issues. Isnt it typical of a bank to blame someone else for their own ineptness.

Another Broker May 18, 2009

I lodged an application with STG on 14/5 and faxed supporting docs, once on the 14th, twice on the 15th and twice this morning. I have confirmation that the transmissions were successful. Left phone message with the BDM and sent him an email on Friday morning. No response. STG have just within the last 30 minutes acknowledged the supporting docs.

NAB Broker…Didn’t read supporting documents correctly so I had to send them the same information to be told it will now take another 6 days to assess.

Westpac…… It’s been two weeks since valuations were done and application is going back and forward between some clerk and the credit manager. I’ve tried to sort whatever problem out but I cannot interfere with their process.

Colonial…… 3 related applications submitted to be assessed together. One application was formally approved 5 days ago and the other 2 are in limbo. I’ve called and they sent email to credit. It’s now been 4 days and no answer. The applications have been there since 18/2/09. The only contact I’ve had was to change loan amount following lower valuation and obtain a mine subsidence certificate. These were provided on the 5th May.

They are all a joke totally out of control. Yet, clients go direct and receive approval and documents within days.

They don’t want our business!

James May 18, 2009

No Probs for me I dont use them I use non banks now and it has improved my efficiency and I get paid alot more!!!

TLon May 19, 2009

Just lost a $1.4mln deal which I’ve had with StG since 5/03, chasing daily, ridiculous assessing decisions, and lengthy delays even after escalation and I’m a gold broker for them. CBA approved within 48 hrs thru a Wizard franchise - I can’t get that turnaround time with CBA either. Definately they want the business thru direct branch channel, I know of people walk in walk out with approval in 24 hours thru branches. This is a joke, hoops are getting higher and harder to jump thru. I’m Cert IV qualified, bet the branch staff aren’t!
Billions in profit yet can’t service the people that give them the business.
Also Bankwest no better - just checked my trailer invoice and noticed a couple of Bankwest loans disappear. Checked with client, Bankwest sent them a letter direct to change to Rate Tracker which the clients did, now they have claimed my trail - watch your back out there other brokers!

jase May 20, 2009

Arhh remember the days way back when the banks actually wanted us brokers sonny jim. Wonderous days of lore were we actually received something called service.Back in the old days it was like a marriage made in heaven where we were greeted with open arms. Personell assigned to ensure that we the broker were treated well. “Bring forth your followers and we shall reward you well” they said. The aggregators said use us and we shall give you access to the world! We believed them! Now the banks are like the pigs from “Animal Farm” with their “use and abuse” mentality. The aggregators are like our pimps and we the broker are becoming their “slaves”.Go forth they say and bring us the wealth of the land.Make us bigger and we shall protect you.

We belived the bullshit !

It has been so long now that I have forgotten the feeling of being loved by the banks.

In desperation, the larger brokers are enticing amalgamations with other brokers and trying to gain the upper hand over the banks. This will only slow the inevitable.Banks want fewer players to deal with so they can control who gets what. We are the middlemen in less than 40% of the overall market. This market is being squeezed even further by poor service levels making our industry less viable. We will get to a stage where the independant broker will be a thing of the past and those of us left will be under a larger broker company under the aggregator. We could then be paying out up to 40% of gross commission received which is slowly being reduced to unprofitable levels for the indivdual broker who writes the deal. These groups then become the targets of take overs. Just look at CBA buyout of Aussie and their take over of wizard. CBA cherrypicked the good deals and tossed the rest on the heap for us to fight over like rats. Those of us who do manage to remain independant will be forced into a pay per use system where charging the client will become the norm as commissions will be so low and performance marks will be so high that it will be the only way to survive.
It appears that we have started down a path where service levels are not going to improve in the forseeable future to the levels of times gone by.There once was a time where I could have a loan settled within 10 days.
No matter how well put together you file is,complete with detailed explanations and of “first pass quality” it always seems to land in the lap of some deadbeat who can’t read or couldn’t tell the difference between a $5 and $10 note. They manage to stuff things up so when the actual underwriter looks at the file it is declined because it is deemed incomplete.
And this is in Australia! What’s it going to be like when it’s outsourced to India or Bangladesh? “Sorry sir , your loan has been declined. Thank you, come again”

I ponder the future……………………….

Peter Bellingham May 20, 2009

Well said Jase

Why are you still sending deals to these brain dead retards. Forget it! how many times does it take to be hit on the head by the larger banks? They loose docs all the time dont read files and they dont want you. its that simnple. they dont like you and dont want you. if they get rid of you then customers have to come back to them. support the independants or they wil be gone as well. my last deal with St George i submitted in October and after 4 submissions because of lost docs. Forgot to get Vals done,. printed but waited 6 weeks to send LODs. they finaly gave approval in april. there system is not protected so if they send a letter of offer and then do nothing for two months they delete that one and register a new one therefore there is no record the original ever existed. a great way to cover up the brain dead retards that work there.

St George great with your money, helping the mentally challenged with job promotions.

Enough. Take the clients else where, the deals are not that good there anyway. Or line up for another head whacking.

PS you supply your own stick.

Daniel May 20, 2009

40 years in this industry and I have never seen service levels so bad. Our commissions have been whacked and are reduced further if WE DON”T MEET ACCURACY/SERVICE levels. Yet Bank’s service levels can be very poor to non existant and we have to explain to the customer. Enough. What are our representatives from The MFAA doing about this threat to their members and the industry - NOTHING except a few talk fests that spend our money on air fares and hotels and achieve -guess what NOTHING.Here are some ideas - double commission for deals not finalised within 10 working days, triple commission for 20 working days. Settlement/application fees refunded to clients.
See how you go when you don’t make a loan payment because you have got yourself in a mess yet lenders are getting away with this crap service because no one cares. Where is ASIC, where are the consumer lobbies. All too busy of course Regulating the naughty brokers while Banks miss settlements and its all deafening silence.
MFAA get off your collective arses and try and do something positive about not only fixing this mess but making sure that your Members - we Brokers, remember us - are not disadvantaged in any way by this mess which is not our fault. DO SOMETHING.
Oh here is an idea. If a broker loses commission because a lender fails to pget a loan approved due to bad service then the MFAA will waive that brokers Annual Fee. I think that would be fair. The MFAA can increase their lender Membership fees to compensate.

Peter Bellingham May 20, 2009

Well said Daniel

I feel that you have more there, but are holding back
this is a forum to get it out there.
I have vented my spleen here on many occasions

What are the aggregators doing. volume was the reason we had to go to them
now we have volume requirement.?

MFAA does what?
charge more fees.

says nothing when comms are cut.
oh yes
please please
KISS KISS

Pathetic and have the nerve to charge a fee for this

Tarek Baytieh May 20, 2009

I keep being asked if i’m a member of MFAA when seeking Accreditation with Lenders that i haven’t previously dealt with. I have many reasons as to why i don’t want to join, mainly though because i feel they are as spineless as Aggregators in representing us! As mentioned, Comms cut, no worthy action - ooops sorry, there was a ‘we expressed our dissatisfaction’!! Woop de doop! A round table a few weeks back! What did this achieve? Has anyone seen any improvements? Lots of hot air - very little action!

As for Lenders and their service - mind boggling some of the experiences of late - especially with HomeSide and St George! Such a joke that it is comical! Can’t read, can’t write… And these are people making decisions that affect peoples financial lives & security! If i was to list every ‘gobsmacking’ issue i’ve experienced in the last 12 months, i’d be here well into tomorrow!

Melbourne broker May 20, 2009

I too am a Gold broker with St George and submitted a first home buyer pre-approval 6 weeks ago on the understanding that they would get to it eventually. When I finally get hold of my BDM, he advises they’re not looking at any pre-approvals for brokers at any level.
In the meantime, policy changes mean my clients have only two options if they want to borrow 95%. The killer comment is: ‘when they buy a property, we’ll escalate the file”. Yeah, right, how can they buy at auction without a pre-approval?
I asked my CBA BDM why they couldn’t put their SLAs on their website as some others do so I don’t have to wait on hold for 40 mins to advise a client how long to expect to wait. The answer: ‘we can’t do that’. WHAT??? Why not??
I completely agree - it’s ridiculous. What has changed in the past 6 months to cause these backlogs? There are very few properties for sale and most clients can’t stand the big banks, so they’re not refinancing there. Perhaps they cut the staff levels too savagely last year??? Surely not, the banks are great at forward planning.

Peter May 20, 2009

This one must take the cake.
I emailed NAB broker assist for an update on 11/5 and got an answer back on 20/5 stating that the file is in a line. 9 days to return an email.

Lucy May 20, 2009

NAB BDM states they are behind because they are the only lender doing 95% loans and that 35% of all brokers are 4 star with Homeside. He forgot to mention that 33% of them are Mortgage Choice brokers who automatically qualify!!
ps. What does the MFAA do besides charge fees and put around over the top prices for crappy seminars on so they can spruke how much work they do and how good they are for the industry.

Daniel May 20, 2009

As in the previous blogs on Commission cuts (Feb 09)many brokers are casting around looking to see what we can do to try and get some redress for our current commission and service problems. The MFAA, so very good at Golf Tournaments and Conferences at which the only directly paying customers are BROKERS, are without doubt failing their majority membership - BROKERS.
Here is what I propose.
For every loan lost due to bad service levels by lenders, send the details of client, lender, loan amount and commission lost to the MFAA. Request that MFAA credit you with one years subscription for each such loan. Further request MFAA to approach the relevant lender seeking reimbursement for the lost subscription amount.
This will have 2 effects. Firstly let the MFAA know that we are hurting and they are doing nothing for us and we want action. Secondly, make the MFAA re-evaluate their cosy uncritical relationship with the lenders.
CC your aggregator with the request and who knows some of them might even start earning their cut by putting pressure on the MFAA and lenders.
Send this email to as many brokers as you can and lets start doing something to fight back instead of being kicked around by all and sundry, especially those taking our money for doing SFA.

Tarek Baytieh May 21, 2009

TLON, i checked with my Aggregator on the status of BankWest Trail after what you wrote. This is the response i received:

The only way the trail would drop off would be
1: If the security had changed
2: If another broker had done the product change
If a product change is completed in a branch or via mail then the broker retains the trail.

It may be worth your while taking this up with your Aggregator for clarification…

Keith May 21, 2009

Hi All,
We have photos of our esteemed movers & shakers to our above right. I am led to believe that they are regular contributors to this forum. I would be keen to hear if Mr Naylor and Mr White have been reading the previous comments and if they wish to respond. The current survey shows an overwhelming lack of support for our industry leaders.

I am a strong believer that the only power an individual has, is to become a member of a larger body of people. Wether that be a union or an industry body or association, etc. However, that body must have a clear vision of what it is there to do, what its members want and it must be run by people with passion and knowledge of and for their industry. BUT, most importantly, it firstly must recognize who the threat is coming from, what the threat is, and then, stand up and fight for their support base/members.

There are so many situations here! The ACCC would not allow Telstra for overcharging its competitors for the use of their network. And yet, we have a situation here, where the 4 major banks are able to borrow money at lower rates than their competitors. (I have no problem with that.) In this industry, however, this creates an “anti competitive” situation. The eventual outcome for many industry participants (brokers, small lenders, aggregators and industry bodies) could be dire. It MUST be painfully obvious to Mr Naylor & Mr White what is happening here. The major banks are in a strategical position to weild a lot more power/control over their competitors due to the current financial crisis. They ARE using this situation to “GET RID OF THE COMPETITION”. By providing poor service to the broker channels, they are creating a “PR nightmare” for the brokers. Bank customers can go to “their bank” and get their loan approved within days. It takes brokers weeks. That, my friends is NOT a coincidence. Cut commissions, set volume targets and other conditions and then instruct their credit assessors to be tough on credit policy and not replace staff as they resign, all the while telling you the broker that this is a result of 90% of home loans now being submitted to the 4 banks. SML last year was (and could still be) on its knees and begging for someone to buy it. Anybody submitted a loan to SML lately? I have, and the turn around times with SML are almost the same as the other 4. A couple of years ago the 4 banks were getting about 75% of home loans. Thats only an increase of about 15%-20% and yet turn around times have gone from standard to 15-20 working days.

I could waffle on for hours, but I would like to call on Lending Central to contact our esteemed leaders and ask them to respond to some of our comments.

There is also a bunch of photos of other “movers and shakers” to our above right, I wonder where their thoughts are at this point. Are they thinking “now this is a good time to be..(taking advantage of the situation”) or are they thinking “my industry, my business, my brokers and my community are all hurting at the moment, what can I do to use my gifts (given to you by God for nothing) and contribute to a positive outcome for all and not just take advantage of the situation so that “I can have a $100,000 a month income and screw everybody else”.

I also wonder if our esteemed leaders are just a “bit comfortable” in their well paying jobs and forget that they work for individual broker members and not an entity called “MFAA” or “FBAA” on a profitability basis. By the way, is the MFAA a “not for profit” organisation?

And further to that point, I call on our “corporate leaders” to consider their “COMMUNITY” in their decisions and not just the “book of regulations they call “the company” that they are employed by. Yes, they have a responsibility towards their shareholders, but they seem to forget about the people who are impacted by their decisions. Lots of shopping centres have put up “shade cloth” for their customers cars, but staff have to park “to buggary over there” and if you are caught will mean instant dismissal. No wonder some companies struggle, just by the way they treat their staff. The level of stress, the sales targets that must be met or “I think you should consider another career”. We can’t all sell phones, you know!!!

I get approached everyday for a donation to this or that, bloody hell, if James Packer and Lindsay Fox and Gail Kelly got together they would have enough money in their flammin savings account to cure cancer.

Sorry guys, I digress.
Lending Central, I look forward to some form of response from out esteemed leaders.
Have a great day everyone.

Keith

Another Broker May 21, 2009

Further to my comment on the 18th in respect to CBA, you woun’t believe this…..

Called CBA yesterday to find out if anything else happenned. They advised the 3 applications are still in the que and it shouldn’t be too long. One hour later, the client called to advise that he had received the approval and loan documents for all 3 loans. Called CBA today and they have no knowledge of documents going out.

Also called St George to find out if a loan settled yesterday. After being on hold for 20 minutes and another 15 minutes with the operator, I was told that loan did settle. Status shows “Certified”.

St George called another client to advise his settlement was booked for 20th May to my surprise. Called St George who advised they had no knowledge and that it was still in certification.

Another. St George could not certify as they didn’t have pages 5 and 6 of the application. This was a loan for an individual and pages 5 and 6 related to a company and trust. So, I complied by faxing them blank pages 5 and 6.

Yes, non bank lenders provide a superior service but the problem is they need to deal with mortgage insurers who have the same attitude as the major banks. So either way, we put up or shut up.

The solution is to take a brokerage fee from the client and walk them to the local bank.

I know this is all too much.

Broker May 21, 2009

Wow, wasn’t that recent MFAA forum regarding SLA times just a complete wank, nothing has changed, as the banks DON’T WANT it to change.

Just a waste of copious amounts tissues me thinks!!!

Scott Beattie May 21, 2009

I have a 60% low doc top up pending with Homeside ATM, we have been told it will be another 10 days. It is today 5 weeks since lodgement.

Yesterday, I sent my BDM, the state manager and the client the mail stating my frustrations. Apart from the client, no response as yet.

And I am at risk of clawback for 2 years assuming that this is ever approved??

Hellman

Brett May 21, 2009

I used a non bank lender two days ago, within 12 hours had an indicative approval.The BDN answers her phone or returns calls, even will sms in a meeting. I got another call from a manager from another non bank yesterday for not getting back to me on a scenario the day before.

We need to ditch the Banks and the Aggregators. We are in control of our own destiny, collectively we can save our own customer service levels and our strong desire for customer empathy. This is why our clients come to us in the first place. THEY HATE BANKS ! and hate being called direct by them.

Vote with your feet its ……. EZY

Jas73 May 21, 2009

I know we are all screaming about service from the majors, the problem is who else is offering 90%-95% LVR for purchases? If you are dealing with first home buyers the majority require 95% - what alternative is there. If you are fortunate enough to have clients that only require 80% I would definitely recommend looking elsewhere. I lost a deal to a branch that approved a loan within days after misleading a client about their pre-approval status that I had been pushing for weeks. Forget about service from major bank BDM’s they are like the Tassie Tiger - out there somewhere but no real evidence of existence.
Seems like MFAA is Money For Assisting Ammorals.

Scott Beattie May 21, 2009

Hey Brett, fair comment, but when someone has a current fixed rate with a lender, it doesn’t make a lot of sense to refi them. Ultimately, we are here for the client IMO.

Mike Pitt May 21, 2009

Settle guys & Gals

MFAA (the ’saviour’) Round table is going to fix all of this! You just be a little more patient & let the apostles fix it.

Jerry Gibb May 21, 2009

I like you feel we are fighting a battle with the big 4 banks alone. MFAA it is time they go to the Banks and get them to start to look after the industry and change SLA time. The problem we have is that it takes these idiot assessors 14 working days to look at a deal and then for some reason either delay it, decline it or ask for some stupid information that when you send it back it takes a further 3 to 4 working days for them to look at it. Examples are RAMS sent deal to them on 20/4 conditional approval today for a new purchase and one of the conditions is to obtain proof of current residential address before they will send to LMI. What credit risk is the address? Guess what NIL but you cant fight because the Brochure Delivery Managers( BDM’S) have no power or pull with Credit. STG have casual employee being with the same firm for 16mths + , yes it is a high LVR but guess what I now find out the Banks LMI insurer will only use 50% of his income to servcie the deal. What load of crock and who in this world can service a home loan @ 50%. This is the problem and it takes them 13 working days to tell me this and put the clients off side and the best one of all is Bankwest who for a FHO who purchased a new home with 20% will not accept the valuation as it has no comparable sales evidence that the Bank accepts in the Valuation again 14 days later. The assessors should not be allowed to assess any form of credit in my opinion. Just some examples of what we as brokers go through each day and I like you are sick and tied of paying membership to organisations that take my money force me to undertake additional training at a cost and do diddly squat.

Mike Pitt May 21, 2009

Hi again

I have taken the time to read all of these comments; obviously there is a common theme - WE ARE BEING SCREWED BY MAJORS, AGGREGATORS & MEMBER ASSOCIATIONS. We are taking a hit from all places including those that we are supposed to serve - the clients.

All this whinging & bitching will count for nought UNLES there is broker backlash en masse. No amount of whinging will change things. IF we SERIOUSLY want CHANGE IT HAS TO COME FROM THE BROKERS.

REMEMBER A LITTLE SPARK CAN START A BUSHFIRE.

IF WE ARE SERIOUS, LET’S GET STARTED ON OUR OWN ‘FIGHTBACK’.

I AM NOT SURE HOW, BUT WHAT ABOUT SOME COORDINATED THINK TANKS. LET’S GET SOME DIALOGUE STARTED DESIGNED TO REALLY MAKE A CHANGE. No promises but at least we will die trying.

Please pass on to any associates/brokers that really want change.

I’LL PUT MY NAME OUT THERE TO START THE BALL ROLLING, IF ANYBODY WOULD CARE TO JOIN ME PLEASE CONTACT ME at michael.pitt@loanmarket.com.au

Richard May 21, 2009

Hiya
With the new legislation the MFAA will be even more useless as government is bringing in the compliance. Banks already know this and there wont be any real reason to be a MFAA member or FBAA for that point.

We brought in fees for service to clients which is advised upfront and signed off in through the NFBA for the schedule. We also brought in client clawbacks - i.e. we get a clawback the client reimburses us.

Any broker stupid enough to make his business all 95% stuff and reliant on FHBs & REAs needs to have his head examined. We’re not in business to work for free. Client doesnt want to deal with the clawbacks - then go direct so we can move on

I concur entirely that the banks are RS and they’re raking it in and pissing in our faces. Whats new - its a changing industry.

Erving May 21, 2009

Unconscionable commission cuts, outrageous differential between bank’s service to the broker channel versus their own branch channel, clawback of commission, even when the client leaves the lender because of the bank’s service, NO support from MFAA or agregators to resolve the above!!!

I am over $40k behind because of unfathomable credit decisions made too late, by neanderthals who obviously ARE INCAPABLE OF READING THE FILE!!!

You could not recommend Broking as a career now and I cannot see it improving anytime soon!

Why would you want to be a broker?

I remember when brokers were able to provide good service, without being screwed. You were appreciated by both the clients and the lenders and could be proud of what you achieved.

Now we’re treated like something smelly and sticky that has stuck to the lender’s Guccis.

John May 22, 2009

I have read all the comments regarding the major banks and there appears to be a recurring theme of bad service from the same banks. So, STOP DEALING WITH THEM!!! There are still good deals and reasonable service levels from ANZ, ING, Citibank and Suncorp yet they collectively have less than 20% of the market.

Why are brokers still giving 80% of their business to the two worst lenders in the industry, CBA and Westpac??? Let’s not forget that it was these two who led the charge on screwing brokers out of their hard earned and will almost certainly be the ones who repeat the dose next year. They both also have the worst servivce levels and turnaround times in the industry and also control St George, Bankwest, Wizard, Aussie etc.

If a shop gives you bad service, you don’t go back.
Why are brokers not giving the same finger to the banks that they would give to anyone else who treated them with such apalling disrespect?

As for the MFAA, it always has been a waste of money and I haven’t been a member of it for years. Hasn’t affected my business in the slightest. Again, if people are dissatisfied with it, don’t renew your membership.

With regulation around the corner it will cease to have any relevance whatsoever so why blow yet another $400 this year? In 6 months we will all be applying for our licences. R.I.P MFAA.

Brokers, stop complaining and start acting!!!

TBONES May 22, 2009

“There are still good deals and reasonable service levels from ANZ, ING, Citibank and Suncorp yet they collectively have less than 20% of the market”

Really?? Suncorp??? Lodged a deal there in the last 2 weeks?? PML!!

John May 24, 2009

TBones, We can all give examples of bad service from individual lenders, but that’s not the point. The point is, that if you’re getting bad service from a lender, stop putting your deals with them.

Daniel May 24, 2009

Forget all the individual stories about bad service.
Facts are it is across the board, Of course you don’t put any more deals to lenders who can’t service the one they already have. Of course you try and find other lenders. Of course you even try and expand your available panel(some aggregators are very active here, some have always had a lot in reserve)
We all know all this. The issue is the effect this whole service fiasco has on OUR BROKING BUSINESSES.
1. Loss of business
2.Loss of earnings
3. Loss of customer trust
4. Loss of referrals.
5. Degradation of our distribution channel
6. Proof postive of the uneveness of agreements (we have to get everything right to get best payment, lenders can stuff up in every way imaginable and we are left in the cold)
7. Lack of support from aggregators
8. Total lack of appreciation of our position let alone any support from the MFAA (Mighty Funny Awards Association)
9. Total lack of good media - you watch, BROKERS will get the blame for missed settlements,customers missing purchases, refinancing issues.
10. The realisation by BROKERS that we have no power and are just a punching bag for everyone from Lenders, Governments. Media and our own Associations. Everyone just wants money from us.

At this years Annual MFAA conference. these should be the Award categories

1. Bank or Lender who took the longest to action a loan application.
2. Bank or Lender who missed the most settlements.
3. Bank or Lender who asked for the same documents the most on any given file (with special mention to lenders who took a month to look at a file and then declined because the payslips were out of date)
4. Bank or Lender who took the longest to do a refinance (again special mention for the Lender who asked for a new refinance authority the most - my record with a major Bank is 4 times)
5. Bank or Lender who failed to pay correct commissions the most
6. Aggregator who failed to notice the Bank had paid incorrect commissions.
7. Broker of the Year - goes of course to the latest Broker to join the industry - the eternal optimist or maybe just plain dumb.

lindsay May 25, 2009

Hey i lodged an application to refinance my GE/wizard home loan with Homeside about 6 weeks back and i’m still waiting for a reply.

Keith May 27, 2009

Still haven’t heard from our esteemed leaders!!!!
The silence is deafening.
Any chance that LC can locate 1 of them for a comment?
Bye
Keith

JH May 27, 2009

Nice one Daniel,

Wouldn’t take much to set a website up so everyone could see who we gave these awards too. They do it in the film industry, why not ours..lol