I had an awful experience using Just Mortgages and Sonam. Throughout most of the process Sonam was very friendly and helpful, however there were two massive issues with the service. Firstly, I was pressured into signing an agreement to may £1000 for their services. This was not mentioned during any previous discussions with Sonam, and was very much sprung on me at the last moment. I declined the fee, given that other Brokers charge customers no fee. Sonam then got in touch to say she could reduce the fee to £500. I explained that it would still not be worth me paying this, so she waived the fee. This is clerkly a ploy to make an extra £1000 off of less informed customers. It is worth anyone who may use Sonam or Just Mortgages being aware of this- you do not need to pay this fee.The second and much more significant issue is that, for reasons which were never explained, Sonam suddenly stopped returning any calls or emails, with no explanation. This left me in an extremely difficult situation, as only Sonam, as the broker, was in a position to either pursue or withdraw my mortgage application. It turns out that the lender would only speak direct to the broker. Shockingly, as the applicant was unable to undertake any actions. I explained this to Sonam, yet received no response, and she would not withdraw my application. This left me in no man's land. The disconcerting thing about this, and the reason I feel that it is worth sharing is that prior to this, Sonam was very pleasant and helpful. With no prior notice I was cut off with no explanation or warning. My suspicion is that, having not paid the £1000 fee, at some point a decision was made that I was not a profitable customer, and so not worth Sonam's time. However, in the lack of any explanation, this is just speculation. I have raised a complaint with Just Mortgages try and understand why this happened.
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