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Competition winner: The case of Alpaca mistaken identity

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  • 16/10/2015
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Competition winner: The case of Alpaca mistaken identity
Last month, Mortgage Solutions in partnership with specialist distributor TFC Homeloans, asked readers to let us know the strangest underwriting requests they've ever received from a lender.

We received many bizarre entries and thank all our readers for taking the time to share them with us.

We are pleased to announce the winner of the Fortum and Mason hamper is Max Mace, director of brokerage NM Finance in Norwich for his entry about the mistaken identity of his client and her Alpaca.

Max writes…

“I was processing a council Right to Buy purchase with a specialist lender and we used to have to send pictures of the applicants to them along with identification, my client kept Alpacas and the photo was a picture of her standing next to one of her Alpacas.

“The photo was returned by the underwriter to us with a note requesting that we confirmed which was the applicant, we called the underwriter and queried this and the response was: “our risk department must be sure, please attach a post-it note and confirm which is the applicant”.

“Both myself and my staff found this quite amusing, however, the last laugh was had by the lender as after completion they returned all originals to the client leaving the post-it note on the photo of our client.

“The following day I received a very emotional call from our client stating why I felt the need to clarify to the lender that she was not in fact an Alpaca. After explaining what had happened she did eventually laugh about it, however, to this day it still remains the strangest underwriting request we have seen.”

Thanks Max, the hamper is on its way courtesy of TFC Homeloans.

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