Wow! I'm shocked by this! A bit shocked that someone could not believe you could save up £75,000 by age 30, pretty shocked that 90 days is the furthest they check back, and TOTALLY shocked that you bought a house for £75k! (Presume in UK because in £.) WHERE???It's mostly idiots who had a 30min mandatory training video on "know your customer/money laundering" and believed it.
We owed a £10 fee to the estate agent (realtor) for a copy of a lost key or something trivial - they wouldn't take cash because "it's against the law" we had to write a cheque !
Sometime in the 90's while buying our third house with an FHA loan, the loan officer brought us back three times, each time wanting older records showing we had been saving the down payment money and it was not a loan we had to payback.
We moved from one state to another, my wife and I went to bank to open an account, we had a check for
$65k to deposit in the new account. They refused to open the account. I didn't want any money, I just wanted to open an account. I went to a bank a 1/4 mile away and got a new account without a problem.
While buying our first home in "84"? when a 30 year mortgage was 16.75%, I wanted to get a subsidized
loan from the state at 9%. But, because we were savers and had $20k+ in an account at about 10%, our income was too high, but only by the amount we earned on our savings. We were punished by the state for trying to help outselves.
MY POLITICS CHANGED THAT DAY! It still ticks me off 31 years later. Oooooommmm. :-)