I was contacted by an agent who offered to act as a broker to help me secure mortgage approval. From the very beginning, I made it absolutely clear that I would not pay any fee until the lender had confirmed that my mortgage was approved.Despite this, Mr. Wahid Hussain, of 2 Temple Street, Aylesbury, Buckinghamshire, HP20 2RH, acted dishonestly. I had expressly stated that no payment should be taken if the lender had not approved the loan after reviewing all my documents. He understood my conditions but misled me, taking fees in advance at the application stage rather than after the process was complete, as agreed.I provided my card details solely for the purpose of processing payment after approval, yet he charged my account immediately without authorisation. As soon as I noticed, I requested a refund. They refused, claiming the matter had to be “escalated to their director,” which confirmed to me that I had been scammed.I immediately reported the matter to both my bank and the police as fraud.Mr. Hussain falsely assured me that Halifax had accepted my application and that I should not worry. However, when I attended in person today by his request, after driving 32 miles, he switched to NatWest, despite never telling me this by email or phone. Even worse, I had already been rejected previously by NatWest. Today was supposed to be the day I signed the papers for the Halifax application, not to start again with another lender.This behaviour shows a clear pattern of dishonesty and deliberate misrepresentation.I share this so others are not deceived. Always be extremely cautious if a broker asks you to sign documents in person or demands upfront fees before you have official confirmation from the lender.P.S. At the bottom of one of my emails, you will see Mr. Hussain confirmed Halifax had approved my application. Yet today he admitted that was false, wasting my time, money, and trust.
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