Hello all, First time poster but would like to let you all know that there is light at the end of the tunnel. Received my refinance initiative letter from Oakwood in December and thought that I would take them up on the offer if I could get a re-mortgage. Last year fell into £6500 arrears but managed to pay back the arrears by overpaying by £1000 a month on top of my monthly DD of £1490. Was stretched to say the least but all was up to date by September. When the letter popped through the letterbox I thought they were kidding until I phoned them up and realized that they were serious. They were offering to waive the early repayment charge of £13,000 and discount 15% of my mortgage from £202,000 to £170,000. Wow. On the letter it says to phone a company called Think Pink. Phoned them and spoke to a Chris Marsh. Went through my story with him and he told me he would research and get back to me. 3 days later had a phone call from Chris to say that because of the arrears no-one would lend but keep going and pay 6 complete months and phone him back. 6 months passed and I phoned Oakwood to see if the initiative was ongoing to be told all letters were open to the end of May. Phoned Chris back and he done his research again and he came back to me. The only lender he could find was a Melton Mobray but that they were unwilling to lend because of a £10,000 secured loan on the property. Also they would only lend a maximum of 146,700. He had taken it upon himself to phone Oakwood for a further discount to cover the loan and the mortgage shortfall. They had agreed!!! He phoned me back and had to explain everything twice to me. I could not believe it. A mortgage including ERC of £215,000 reduced to £136,700, and the £10,000 secured loan makes a new mortgage of £146,700. This angel is saving me over £700 a month and reduced my mortgage by 34%. I cannot recommened Think Pink anymore highly than this.

Hello all, First time poster but would like to let you all know that there is light at the end of the tunnel. Received my refinance initiative letter from Oakwood in December and thought that I would take them up on the offer if I could get a re-mortgage. Last year fell into £6500 arrears but managed to pay back the arrears by overpaying by £1000 a month on top of my monthly DD of £1490. Was stretched to say the least but all was up to date by September. When the letter popped through the letterbox I thought they were kidding until I phoned them up and realized that they were serious. They were offering to waive the early repayment charge of £13,000 and discount 15% of my mortgage from £202,000 to £170,000. Wow. On the letter it says to phone a company called Think Pink. Phoned them and spoke to a Chris Marsh. Went through my story with him and he told me he would research and get back to me. 3 days later had a phone call from Chris to say that because of the arrears no-one would lend but keep going and pay 6 complete months and phone him back. 6 months passed and I phoned Oakwood to see if the initiative was ongoing to be told all letters were open to the end of May. Phoned Chris back and he done his research again and he came back to me. The only lender he could find was a Melton Mobray but that they were unwilling to lend because of a £10,000 secured loan on the property. Also they would only lend a maximum of 146,700. He had taken it upon himself to phone Oakwood for a further discount to cover the loan and the mortgage shortfall. They had agreed!!! He phoned me back and had to explain everything twice to me. I could not believe it. A mortgage including ERC of £215,000 reduced to £136,700, and the £10,000 secured loan makes a new mortgage of £146,700. This angel is saving me over £700 a month and reduced my mortgage by 34%. I cannot recommened Think Pink anymore highly than this.