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  1. any updates please???? it has gone awfully quiet on this thread....
  2. I have heard in the grapevine that trading standards are going after them.
  3. I would because if they say they own it how can Rooftop take you to court if you get my drift and why has the Land registry not been transferred to Crown????
  4. FYI none of us have been notified that Rooftops have sold our mortgages. Go on to the Land Registry site and follow the proceedure to obtain this document it did cost a few pounds but it is worth keeping in your possession as you will find out if you do the SAR who actually owns your mortgage. Please check on my earlier posts for those of FM1 &FM2 to see if you can identify your property. I found ours on there it took a few searches as it is a huge spread sheet. A note now for Pepe, now you know it is Crown that own your mortgage you should do another SAR to them and certainly also go to Land Registry to see what who owns title.
  5. That thread is Redstone Mortgages not Rooftop Mortgages
  6. I have not heard of Redstones. You should send the SAR to find out who actually owns your mortgage and check with land registry.
  7. Best to send a SAR to them and request all the documents that relate to you. I have posted up a good Subject Access Request on this thread. You need a statement of account on what charges they have charged you then you need to write to them requiring a refund of the exhorbitant charges. when they write back and say no - you then can take this to the FOS for adjudication. Also, like Pepe, he has just found that from the SAR he sent his mortgage is owned by Crown and he has never been informed of this. Also, you should check land registry to see who holds title to your property. I have actually found out that my mortgage is with Farringdon Mortgages No 1 PLC by some detective work. I have posted up earlier on this thread the excel sheets from farringdon both on FM1 and FM2 accounts.
  8. Check on Faringdon Mortgages No1 or No2 which I posted earlier ( they are huge spreadsheets so take your time and work your way through) we found ours on Farringdon No 1, but did have to look a few times. The Land Registry I have checked is still in Rooftops name, but they definately do not own the actual mortgage. I did have some expert help that came my way on another site and very grateful for all the information that I have been afforded. I will never let these people intimidate us again. The aim of this company that now own the mortgage is to liquidate as many homes as possible to get a return of their money. If you look on Farringdon No1's Accounts on page 29, you will note it mentions Rooftop Mortgages. The fact is that Rooftops accounts do not show any expenses how can a company run on no overhead costs, what happens to our mortges payments and also the charges that they like to frequently make?
  9. http://www.thisismoney.co.uk/money/article-1240055/Fresh-mortgage-agony-borrowers-threat-repossession.html An interesting article I just found, with a case that was almost a repossession and looks like she got some great advice and help.
  10. Rooftop Mortgages 0845 330 3123 Crown House Crown St, Ipswich IP1 3HS
  11. ROOFTOP MORTGAGES 2010 ACCOUNT.pdf Rooftops offices are in Ipswich exactly the same qas Crown Management offices. The address at London Wall is their registered office address. The SAR should have been sent for the attention of the data controller. There are accounts are upto date but with nothing in them - empty.... as I said just a shell of a company. So when they charge us charges etc, where does our monthly repayment monies go? as it does not go into a Rooftop account as it does not show in their accounts I have also included Farringdon No 1 PLC accounts, you will see on page 29 that they mention Rooftop Mortgages. FARRINGDON MORTGAGES NO1 PLC 2010 ACCOUNTS.pdf
  12. Hopefully here is the last fileFM no1 plc investor report April2012 - Copy.pdf
  13. FM no2 plc investor report April2012 -.pdf[ATTACH]35557 the last file wont open which is FM no investors report I will see if I can get another copy, but I am sure it will be similar to FM No2 FM no1 plc DATAPOOL April2012.pdf -.xls FM no2 plc DATAPOOL April2012.pdf -.xls FM no1 plc DATAPOOL April2007edited.pdf - Copy - Copy.xls
  14. I found ours on Farringdon 1 Mortgages PLC by the amount of Mortgage we have, the location area and when we had an increased our mortgage all the sums added up. I now have Farringdon 1 +2 Mortgages PLC updates. The spread sheet is quite wide and I just went on until I found ours, when you find it you know it is yours by the description of the property etc. The last accounts of Rooftop show that they are just a shell. So yes good point why are we paying these people as they don't actually own our mortgage. Except the Land Registry still shows in their name. I had some great help with someone that knew the workings of these companies. I suspect Crown Mortgages who are in the same building actually answer the phones on dedicated numbers answering as Rooftops as Rooftop do not have any expenses such as staff salaries, income, rent etc etc.... My husband had a run in with one of the managers this week as they wanted to charge £50 because they said we did not have an agreement to pay by a certain date. As it happens he had a letter acknowledging this agreement and yet the manager still could not get it and still argued. I am afraid Rooftop cannot push us around anymore as we will not stand for it. Working out what to do next in relation to our find is foremost in my mind and how to tackle this without giving them cause to suddenly get wind that we know what has happened. For Angry lady I will try and post up the links I have but they are huge files and I am not that IT literate to do this but I will try when I have a few moments. For everyone, you only have to look at the accounts to realise that they own nothing and this are published at Companies House.
  15. So what you are saying in effect they took upfront fees - you received repayment of your PPI less a third for their costs. They then took an upfront payment of £1475 and so far this has not haappened? They are entitled to refund you if it has been more than say 7/8 months since you paid which according to you it has been. Was this £1475 a separate payment to the PPI? I have just had a poster on another forum who had paid £3k upfront fees to another CMC for 15 months - she phoned, wrote etc... could never get an answer. She came to me very upset, I helped her recover the £3k as she was in a terrible way financially. It took 2 weeks for them to agree a refund and a further 26 days to obtain her refund. My advice is to send them a letter by special delivery allowing them 7 days to respond by confirming the refund before you take this amtter to the MOJ and to the TS. Another member has taken another CMC to TS and they are now looking into this CMC and now the MOJ are taking an active action. Good luck and let us know how you get on.
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