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Nationwide Newbuy DIP

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Had a DIP Application in with Nationwide since Wednesday.

Going through a builders "mortgage advisor" as it's easier, and I can't go direct.

History of Bankruptcy/Reposession.
Just chased it up , apparently it's with a senior underwriter.
Is that normal? I have no trust in these mortgage advisers.
I remembered she didn't ask about previous reposession on Wednesday, I mentioned that today.
She admitted she didn't ask and it wasn't disclosed to Nationwide. She kept saying if it wasn't in the last 3 years, it doesn't matter. Anyhow, she asked someone else and they agreed it was best to disclose it to Nationwide. Really? I could have told you that.
I know Nationwides criteria re: repo is "Not Normally". I assume that's it definately going to be a decline then?

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