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I have recieved communication from F.O.S. regarding my complaint against Rooftop. The arrears charges range from £ 50 to £ 75 per month.
The F.O.S. have given Rooftop 8 weeks to come up with a final response.
I would like to encourage as many people with Rooftop Mortgages to complain and go down the F.O.S route. The charges they are adding are extreme and now they are closed for new business they are bleeding customers dry in any way they can to be honest. We as customers need to make a stand against these thieves !!!
Can anyone tell me if the arrears fees can be legally chased by Rooftop with threatening letters or do the charges have to be added to the total mortgage amount ? My arrears are all cleared up and it is just the charges they have enforced that remain. £ 1800 of them with interest.
The fees should be added to the mortgage and not counted as 'arrears'.
I complained to the fos about a Lehmans (SPML) mortgage. It took over 2 years to resolve but I did get all my charges back, the interest removed and compensation.
Rooftop's charging regime is totally out of order.
The charges as far as I am aware are not counted within the arrears, but in our case they really are humungus and we have been so far slightly reluctant up to now to start the proceedure because of our arrears. We still have at least two years of arrears to pay back on top of the mortgage.
What was of more concern to us is they keep on trying to change the goal post and change the date which the mortgage is currently being paid and as they have a suspended possession order which they are threatening us with repossession. But they do not have cause to repossess as we are not in further arrears they are just being vindictive in our honest opinion.
Hi all. Recieved a letter from Rooftop stating all the charges added to my account were fair and they would be contacting me soon to negotiate a pay back plan !!!
I have now put the matter into the hands of the F.O.S. so will update the thread when I hear from them. Any news from anyone else ??
Are Rooftop mortgage co still trading? I thought they went down with Bears Stearn ? If they are then I am gunning for them too as they took £10,00 more than the judge stated in his judgement. They used eviction as a threat. Thi was when we remortgaged with SPML, who appear to be insolvent. No wonder three mortgage advisors told me to investigate and CAB. What about First National? they were the ones that caught us in the first place.
i too am with rooftop who have issued me with an eviction date 18 march i am in arrears of 1100 pounds which i have offered to pay but they say i owe 6000 and have refused to cancel my eviction sayng they want the full amount i am in court tomorrow to see it i can get the eviction cancelled cant beleive they are adding management fees to my morgage arrears any advice please
Is there a reason for getting into arrears ie loss of job, illness etc?
Are you able to make an arrangement to pay the arrears ie can you afford to pay an amount over the basic monthly amount?
Did you try to make an offer to repay the arrears?
If you did try to negotiate what was Rooftops stance in this matter?
Is there any prospect of you making regular monthly payments.
We were in arreas due to hubby having eye surgeries and he was not able to work for about 4 months and we agreed with them to repay the arrears over 4 years, we used the case of Norgan v Cheltenham to negotiate with and they agreed to this with no problem. The only thing is we now have a suspended possession order hanging over us until the debt is repaid. But at least we still have our home.
Basically this case allows for the mortgage payment to be paid off over the remaining term of the mortgage, but we wanted to get this of our backs sooner.
Rooftop have a way of keep changing the goal posts they agree to one thing then renage on it the next.
You need to immediatly bring to the courts attention that you fully dispute the amount of £6,000 as this is made up of all sorts of charges (some of those charges may not be refundable but many of them will be?) and that you are able to actually pay the full arrears figure of £1,100 and that you intend going to the fos to apply for a refund of the charges which are very excessive. At least ask the courts for a 3 month reprieve whilst you negotiate with Rooftop in the first instant. You have to have a final letter from Rooftop stating that they will not refund the charges before you can go to the FOS?
I think that if it were me, I would today fax Rooftop a letter stating that you dispute the charges of £xxxx and that you want them refunded and give them say 14 days to respond. I would then take this letter with you to court to show the judge that there is a disputed debt amount and that Rooftops have refused your payment of the arrears which total of £1100. Do you have this in writing?
Good luck and please let us know how you get on?
Tuttsi
Originally Posted by nemasis21
i too am with rooftop who have issued me with an eviction date 18 march i am in arrears of 1100 pounds which i have offered to pay but they say i owe 6000 and have refused to cancel my eviction sayng they want the full amount i am in court tomorrow to see it i can get the eviction cancelled cant beleive they are adding management fees to my morgage arrears any advice please
I had a court hearing for arrears a little while back, rooftop had the cheek to try and stick the charges on top of the arrears, this looked terrible in court as the amount started on £1500, but then jumped up an extra £6000 because of the arrears charges. luckily the judge believed me when i said the arrears were only £1500 as their solicitor did not even have a Breakdown of arrears and fees. I am just coming to clearing the arrears next month, after the court order of paying an extra £135 per month. When I spoke to rooftop on the phone they started hinting at payment of the fees, whats the chance of trying to reduce/get rid of these as they have also charges interest on top totalling £600, i find it unbeilavable that they can charge £6000 for doing nothing, apart from solcitors costs in court but even they were useless. Should I complain????
I presume you have a list of all the charges? Have you written to Rooftops explaining that you want them to refund the charges as they are deemed to be too high?
Once you have their answer which will of course say NO, and if it is a final response from them you can take this to the fos (Financial Onbudsman Service) and they will obtain a refund for you. £6K is a lot and I am sure we have also racked up as much and once we are down to our last repayments as we have about 8 more left we will endeavor to revisit this as if we want to move in the furture we do not need these extra charges being taken into account.
But well done you for standing your corner in court against the bullies.
Tuttsi
Originally Posted by kalujo123
I had a court hearing for arrears a little while back, rooftop had the cheek to try and stick the charges on top of the arrears, this looked terrible in court as the amount started on £1500, but then jumped up an extra £6000 because of the arrears charges. luckily the judge believed me when i said the arrears were only £1500 as their solicitor did not even have a Breakdown of arrears and fees. I am just coming to clearing the arrears next month, after the court order of paying an extra £135 per month. When I spoke to rooftop on the phone they started hinting at payment of the fees, whats the chance of trying to reduce/get rid of these as they have also charges interest on top totalling £600, i find it unbeilavable that they can charge £6000 for doing nothing, apart from solcitors costs in court but even they were useless. Should I complain????
UPDATE.......
I have recieved correspondance from the F.O.S that they have upheld my complaint and Rooftop have agreed in principal.....
Details to follow regarding figures etc !!!
hi I am with roof top with loads of charges, which they are charging interest on. I have complained about a year ago in which they denied that the charges were excessive,they charge fifty pounds for being in arrears without sending a letter even.I suppose I have to complain to the fso is that the right route?
Once you have a final letter from Rooftops saying that they either won't reduce or refund your charges then you should send this to the fos. It is not a quick fix they should be able to get them to refund you. I would not advise the court route.
As far as I am aware charges are not accruing interest if they are, that is very very naughty of them.
Now we are upto date with our mortgage arrears we are going to tackle this again this weekend. I know we have a huge amount and it must have grown since we last looked at it a couple of years ago. Everytime we pay our mortgage they always bring up about the charges and how we intend to clear them - well they are NOW just about to find out.
Rooftop Mortgages v F.O.S.
amount ? My arrears are all cleared up and it is just the charges they have enforced that remain. £ 1800 of them with interest
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Originally Posted by nemasis21
Re: Rooftop Mortgages v F.O.S.
