Clients Are StupidI once had to train a client on how to use their new website. I said, "point the mouse at that button." They looked at me with a quizzical expression, picked up the mouse and held it to the screen. Can you beat this bit of client stupidity?
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rob, Sun 28 Dec 2003, 22:47)
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I'm a fone munky...for a major high street mortgage lender...no names but we give you extra!I deal with people looking to raise money on their property for extensions and the like...regular calls include....
Me:'So you're six months in arrears?'
Customer:'Yes, I'd like to increase my mortgage by £10K to clear my arrears and pay my credit card off'
Me:'But you can't pay your mortgage now'
Customer:'I know, thats why I need the money to pay it off'
or..
Me:'Your mortgage is £60K, you want to borrow another 50K, yet your property is only worth 62K.
Customer: 'Yes, is that a probelem?'
Me: (You do the maths!)we don't lend above 97% of a property's value.
Customer: But my property is worth £600,000 why can't you let me have more money from my equity?
Me: You earn £20,000, the most we can lend is £60,000. Your mortgage is £75,000.
Customer:But its MY equity.
Me: but if you haven't the income we can't be guarenteed that you'll be able to make payments.
CUSTOMER: Its my money.
Me: No its our money, and you can't have any so ner!!! (not really!!)
I kno mortgages are complex, but sometimes people don't have a clue...
Customer: Why do I still owe the same amount that I borrowed 10 years ago/
Me: Because its interest only, and you've only been paying the interest.
Customer: Oh.
Oh well, at least it keeps me off the streets!!!
(, Tue 30 Dec 2003, 15:39, Reply)
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