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NotThamesWater
nope it wasn't a difficult application. borrowing about x1.5 our income. both in steady good jobs in our 30s. the problem was that they told my wife that she had an undeclared credit card/line of credit that we didn't tell them about when we applied.
I then sat down with the wife and said if you've got a credit card or loan you haven't told me about you need to tell me - she swore blind she didn't. that caused a lot of stress and aggro between us. Tesco basically washed their hands of us and said you need to tell us who this credit card/loan is with and declare it. so we then had to sign up to noddle, input all her details, and hey presto, nothing more was on her credit file than what we told them about - so I literally have no idea what Tesco were on about.
because of this we endured about a 4 week extra delay which meant we went onto our SVR and ended up paying 600 quid more than we should have.
tbh I really lost my rag with them and sent an explosive letter to them - within 24 hours they had approved the mortgage. but I never did get an explanation as to why they said and acted as they did - it was all very strange..