Is Honesty Always The Best Policy?

July 1, 2017


All my life I have been brought up to always tell the truth … if you tell the truth then surely nothing but good can arise out of situations eh?

Well I am currently experiencing exactly what happens when you do tell the truth and trust me it isn’t pretty!

When I came back from the hospital last year after being told I had cancer I was in a blind panic. I had been told the same week that I was already being moved onto half pay in work. I didn’t know at that point if I would need chemo or radiotherapy after surgery – I had no idea of how long I would be off work for.

I was a complete mess … I woke up on the Monday and started calling people and that included my mortgage company. I was 100% truthful with them and to be honest it has got me nowhere!

13 months after making that phonecall my credit file is in tatters. I reached out and asked my mortgage company for help with my temporarily reducing in payments and whilst they did agree to this I was in such a state on the phone that I did not fully comprehend that this would mean they would put a note on my credit file to say that I was behind with payments (even though I wasn’t)

Fast forward to October last year when Mr Sparkles and I were applying for a mortgage. I was declined during that appointment and that is when I found out what had happened.

I fought with the company to have them overturn this but they refused so I took it to the Financial Ombudsman who sided with them *Sad Face* At no point was I behind with payments and the small amount of arrears had been paid off months ago.

We decided to wait a further 6 months before applying again and this time our initial decision in principle was accepted *yay happy dance* … I sold my house and we had an offer accepted on another one.

Everything was finally looking good for us until we were turned down again by another mortgage provider. I swear why does things never go smoothly for me?

I never ask for much … I just want to move on with my life and put everything behind me – Is that seriously too much to ask for?

We are now awaiting a decision from the company with whom our original decision in principle was agreed with and its a horrible anxious wait.

So this brings me back to my original questions … Is honesty always the best policy?



  • Rachel @ The Daisy Pages

    July 1, 2017 at 8:48 pm

    That’s so difficult when you’ve already been through so much. I really hope that you can get your mortgage approved soon x

  • Michelle Twin Mum

    July 1, 2017 at 10:25 pm

    Oh bless you, that is such a difficult situation. I really hope this other company approves your mortgage so you can move on. Mich x
    Michelle Twin Mum recently posted…Talking Intimate Health and Win a £50 Amazon VoucherMy Profile

  • Connor Silver

    July 1, 2017 at 11:36 pm

    This is terrible, I really feel for you. I’m glad that you kicked that cancers ass!

  • Jenni

    July 2, 2017 at 6:16 am

    That’s awful, you should have been getting support not notes on files to stop you getting on with your life x

  • Elizabeth

    July 2, 2017 at 7:09 am

    Banks are notoriously difficult to deal with. They aren’t there for the people, they’re there just to make money. Fingers crossed you get your mortage soon!
    Elizabeth recently posted…Spicy Lamb Pizza with Feta, Rocket & Yogurt DrizzleMy Profile

  • Jessica McDonnell

    July 2, 2017 at 9:31 am

    This is a really interesting post. I think it depends on the situation as to whether honesty is really the best policy, your situation sounds really difficult.

  • Carla

    July 2, 2017 at 10:53 am

    I’m sorry they treated you so badly I think sometimes we don’t always need to tell the whole truth and it can be acceptable to bend the truth or tell a white lie depending on the situation.
    Carla recently posted…Random Thoughts Room 101 : Frumpy Maternity ClothesMy Profile

  • Ickle Pickle

    July 2, 2017 at 7:18 pm

    Oh fingers crossed that you get your mortgage offer. It does seem terribly unfair on you. Kaz 🙂
    Ickle Pickle recently posted…Graduation Gift IdeasMy Profile

  • Jenny

    July 2, 2017 at 7:31 pm

    That sounds like such an awful situation. Hope everything gets resolved soon.
    Jenny recently posted…Unboxing Despicable Me 3 plush goodiesMy Profile

  • Little B & Me

    July 2, 2017 at 8:01 pm

    Huge huge huge cuddles.
    No I don’t believe it is the best policy, look where its got you… they should be so bloody ashamed of themselves.
    I hope you get it sorted xo
    Little B & Me recently posted…Organising A Party Using Only Local Businesses | Is It Possible?My Profile

  • Stephanie Usher

    July 2, 2017 at 9:36 pm

    What a horrible situation, sorry to hear you’ve been poorly and fingers crossed everything goes well with the house!

    Stephanie xx

  • Kara

    July 6, 2017 at 5:48 pm

    Oh no, what a nightmare. I have to admit that I always get good financial advice these days after getting into a pickle myself when I was younger

  • Amanda-Jaied Wathern

    July 6, 2017 at 7:55 pm

    Bloody hell! Is there really no compassion left in the world, or does it all just go out the window when money is involved. I’m really sorry it’s not going smoothly for you, and have everything crossed you get the answer and decisions you deserve. xx

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