Mortgage Providers & SA302's
Discussion
This SA302 business for mortgages is getting more rediculous by the day...
Client needed 3 years SA302's, which I already had from the HMRC so I sent them through.
Client contacts me, documents need are SA302's not tax calculations. I explain that they are SA302's and they actually say SA302 on the bottom. Client goes to check. Comes back saying, no the SA302's look different to what i've given them. I know what they are talking about and what the bank rep appears to want is the SA302 reprint that the HMRC can sent out. She says apparently they can be faxed, which they can so I have them faxed and then I email across.
Today client contacts me again, SA302 not acceptable as the UTR is blanked out. I tell her all HMRC faxed SA302 have the UTR blanked out and it's just the way it is, I cn ask for post ones but they will take over a week. She advised me to get them ASAP as property exchange is due at the end of the month.
So i've rang and ordered them, when i explained this palava to the lady on the phone from the HMRC I got a proper rant about how so many of their phone calls are about SA302's now, and how some bank staff won't accept formats they haven't seen before blah blah.
In this modern digital age, how hard is it for a large institution to have a standard document to issue to all their staff to inform them what is acceptable, show a few images of them and explain what an SA302 or an HMRC online tax calculation is. Mental.
Client needed 3 years SA302's, which I already had from the HMRC so I sent them through.
Client contacts me, documents need are SA302's not tax calculations. I explain that they are SA302's and they actually say SA302 on the bottom. Client goes to check. Comes back saying, no the SA302's look different to what i've given them. I know what they are talking about and what the bank rep appears to want is the SA302 reprint that the HMRC can sent out. She says apparently they can be faxed, which they can so I have them faxed and then I email across.
Today client contacts me again, SA302 not acceptable as the UTR is blanked out. I tell her all HMRC faxed SA302 have the UTR blanked out and it's just the way it is, I cn ask for post ones but they will take over a week. She advised me to get them ASAP as property exchange is due at the end of the month.
So i've rang and ordered them, when i explained this palava to the lady on the phone from the HMRC I got a proper rant about how so many of their phone calls are about SA302's now, and how some bank staff won't accept formats they haven't seen before blah blah.
In this modern digital age, how hard is it for a large institution to have a standard document to issue to all their staff to inform them what is acceptable, show a few images of them and explain what an SA302 or an HMRC online tax calculation is. Mental.
Banks tightening up - no problem.
Banks not accepting original SA302's cos they're used to seeing HMRC reprints - rediculous.
Banks advising customers to phone HMRC to get them faxed and then complaining that the UTR is blanked (like it always is on faxed copies) - rediculous.
Apparently 35 banks/financial institutions have signed up to a practice of accepting online tax calculations for mortgage purposes. Yet even after sending them all too often a request comes back for a demand for SA302.
Banks not accepting original SA302's cos they're used to seeing HMRC reprints - rediculous.
Banks advising customers to phone HMRC to get them faxed and then complaining that the UTR is blanked (like it always is on faxed copies) - rediculous.
Apparently 35 banks/financial institutions have signed up to a practice of accepting online tax calculations for mortgage purposes. Yet even after sending them all too often a request comes back for a demand for SA302.
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