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Last year we applied for and got a mortgage. The purchase never completed and we moved.
A month or so ago some old mail was forwarded and in it were 2 letters from the mortgage company informing us that we were in arrears on our mortgage (Arrears Balance: £9,047.65”)!
I have since rang this company 3 times and each time they seem completely confused by my call-and each time they promise to correct their mistake-and I've just received another arrears letter.
What should I do about this as my husband and I are getting ever so slightly concerned that this will affect us in the future. I've sent a letter off to them but they're saying they haven't received this as yet.
Re: Don't have mortgage but getting arrears letters!
First thing to do is stop dealing with the call centres, you need the head office for this one, they'll clear the "arrears" and will more than likely compensate you for distress. Which company is it and I'll get some details for you ?;-)
Re: Don't have mortgage but getting arrears letters!
Hi, thanks for your reply,.
It was with a company called Mortgages One, based in Glasgow.
Though to be honest I think we're dealing with their main office (in Glasgow)-do you think I should speak to someone higher up the food chain? I've actually been calling the "arrears dept" listed on the letters we've been sent.
Re: Don't have mortgage but getting arrears letters!
Ok, crikey, this company is massive ! Doesn't excuse mistakes though.
Yes they are part of Merril Lynch. The head office is here :
MERRILL LYNCH FINANCIAL CENTRE,
2 KING EDWARD STREET,
LONDON,
EC1A 1HQ
The only email address I can find is margaret.pinagli@mortgage splc.com who is their contact on the FSA register. I would assume that all of the other email addresses are the same.
Here is you head honcho - TREVOR JOHN POTHECARY so send your letter to him.
In fact, have a look at this page, it gives you all of the directors details
Re: Don't have mortgage but getting arrears letters!
Originally Posted by dazedandconfused
What should I do about this as my husband and I are getting ever so slightly concerned that this will affect us in the future.
Make sure you check out your creditfiles with Experian et al...
It only costs £2 per agency but it will either ease your worry over this affecting you in future or add to your complaint with the mortgage company.
Originally Posted by surreyscouse
Ok, crikey, this company is massive ! Doesn't excuse mistakes though.
Yes they are part of Merril Lynch. The head office is here :
MERRILL LYNCH FINANCIAL CENTRE,
2 KING EDWARD STREET,
LONDON,
EC1A 1HQ
The only email address I can find is margaret.pinagli@mortgage splc.com who is their contact on the FSA register. I would assume that all of the other email addresses are the same.
Here is you head honcho - TREVOR JOHN POTHECARY so send your letter to him.
In fact, have a look at this page, it gives you all of the directors details
If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.
As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment. Seek advice of a qualified, insured, professional if you have any doubts.
Re: Don't have mortgage but getting arrears letters!
---- ----
Round of applause for SS's employers ?
If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.
As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment. Seek advice of a qualified, insured, professional if you have any doubts.
Re: Don't have mortgage but getting arrears letters!
Thanks alot surreyscouse. Trevor Pothecary got back to me-usual apologies thing but also offered £100 compensation (genuinely, I was not expecting any).
I'm going to make a donation when I get the money.
Thanks again.
Re: Don't have mortgage but getting arrears letters!
I hope that you have checked your credit files...
If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.
As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment. Seek advice of a qualified, insured, professional if you have any doubts.
Re: Don't have mortgage but getting arrears letters!
Originally Posted by surreyscouse
well done matey, £100 not bad for writing to them, some companies would not have even made an attempt to offer a goodwill payment.
Ahh SS but did you read the guys company profile?
Founder member of the group
30 years experience
named as one of top directors in whosw who guide etc etc...........
Must have got stick at school tho with that name lol
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Don't have mortgage but getting arrears letters!
. The purchase never completed and we moved.
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Originally Posted by dazedandconfused
Re: Don't have mortgage but getting arrears letters!
