How can a bank get to the day of settlement and ask their client to resign mortgage documents or that the client hasn't got enough funds in their authorised account for settlement. We are at the day of settlement, should not the documents have been checked before now and the funds for settlement checked on? This is simply not good enough. It really does feel as though the banks just don't care. You bust your gut getting organised for settlement, making sure everything is good to go for the client and the first sign of an issue is the settlement rolling over and the bank NOT even reading, let alone responding, to your urgent requests for information about why settlement has been delayed.