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Mis-Sold Mortgages

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For most of us, our mortgage is the biggest and most important loan that we will ever have. It is therefore vital that you have the right mortgage for you. The Financial Conduct Authority regulates mortgage advisors and lenders and sets out detailed rules about the advice that must be provided in relation to mortgages. However, in many cases financial advisors, lenders and brokers have failed to provide proper advice leading to individuals being left with mortgages they cannot afford to pay.

How do I know if I have been mis-sold a mortgage?

You may have been mis-sold a mortgage product if at the time you took out your mortgage your lender, financial advisor or broker failed to:

  • Properly assess your individual circumstances;
  • Failed to provide you with information about the options available to you;
  • Failed to provide you with a recommendation that reflects your personal circumstances.

Examples of mortgage mis-selling

You may have been advised to borrow money without proving your income (known as self-certification) or were advised to overstate your income.

You may have been advised to take out a mortgage that ended beyond your retirement age date.

You may have been advised to switch lenders but weren’t told about fees and penalties.

You may have been persuaded to switch mortgage but not told about commission payments being paid to an advisor by the lender.

You may have been advised to take out an interest-only mortgage without proper consideration being given by your financial advisor to the repayment of capital.

 

 

Common problems arising with mis-sold mortgages

If your mortgage was mis-sold you may  have experienced some of the following problems:

  • Inappropriate interest rates
  • Negative equity
  • High fees
  • Inability to pay mortgage
  • Repossession

 

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Postal Address : All About Claims Ltd, The Hollies, 7 Hood Lane, Armitage, Rugeley,WS15 4BW. Registered in England & Wales: Company Number 13682935. Registered address: 20-22 Wenlock Road, London N1 7GU

You can pursue the claim yourself without using a Claims Management Company (CMC) and without cost. You will first need to complain directly to the financial institution, and if this is unsuccessful you can complain through the Financial Ombudsman Service (FOS). Certain claims may fall under the scope of the Financial Services Compensation Scheme (FSCS) which you can access directly.

All About Claims Ltd is not regulated to provide financial advice. Under no circumstances will All About Claims Ltd provide financial advice.
If you need financial advice we suggest using financial adviser websites like Unbiased, Find an Adviser and VouchedFor that have searchable listings of financial advisers, or you could get further information from a group that represents advisers such as IFA Centre or APFA.
You can search for an adviser either in your local area or for one near your workplace. The listings will show you which products the adviser is able to advise on. VouchedFor also uses a recommendation system, where people rate advisers based on their experience. Check the Financial Conduct Authority (FCA) Register. If you have found an adviser you are thinking about using you should check the FCA Register to ensure they are regulated and approved by the FCA.

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