This has been, without question, the most incompetent and irresponsible mortgage brokerage experience I have ever had. Capricorn has shown zero professionalism, zero accountability, and zero respect for their clients’ time, money, or sanity. Charging £250 for a service they can’t even deliver properly is outrageous and then dumping the consequences of their own mistakes back onto the client is beyond unacceptable.They submitted my full mortgage application before taking my consent. I was asked if I wanted to proceed (after I received the email from Santander noting that my application has already been submitted). Why ask for approval if you’ve already pushed the button? Completely reckless.They were so trigger‑happy they submitted the application with the wrong solicitor. I gave them my solicitor’s details. Too late - they’d already blasted the application through with the seller’s solicitor listed. My actual solicitor had back & forth calls with Santander because Capricorn never contacted them, despite promising they would in December. This is admin 101, and they still managed to butcher it.2 months wasted because of their negligence. The offer was ready in December 2025. It's almost end of February, Capricorn is saying they can't do anything due to “regulatory network change,” telling me to chase Openwork to fix their mistake. Apparently, taking responsibility isn’t part of their job description.They charged £250 for an incomplete, careless service. If they had simply entered the correct solicitor details and have not been trigger-happy, none of this would have happened. Instead, I’m stuck doing the job I paid them to do. Why am I handing over £250 when I’m the one fixing their mistakes?They don’t give clients options - they just pick a deal and submit it. My previous broker actually explained choices, pros and cons, and let me decide. Capricorn didn’t bother. They assumed the cheapest deal was “good enough” and submitted it without discussion. My other broker can get me the same (or better) rates without charging £250 and without acting recklessly.My other broker have confirmed this isn’t an isolated incident. I’ve since learned that Capricorn has a reputation for being “trigger-happy” with applications, submitting them before clients approve anything. Based on my experience, that’s absolutely true.Capricorn caused delays, stress, and a mess I’m still untangling all because of their own incompetence. I want my £250 refunded, and I’ll be using my previous broker who actually knows how to do their job.
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