I had an interest only mortgage with Rooftop mortgages that expired March last year. It was always planned that the repayment would be from the sale of the property (never late or missed payments). Unfortunately did not sell until this month. Redemption statement shows £726 in 'fees'. In September last year I had a letter from solicitors appointed by Rooftop - in that letter they asked for my repayment intentions (which Rooftop already knew) and stated that I would be liable to costs IF the actions appended (ie court hearing/repossession) were proceeded with. None of that happened. The solicitors have been a courier service to relay messages back and fore as I am abroad and Rooftop do not use email (their solicitors do...) Their contact comprises two letters from Rooftop attached to their emails.....six emails 3-4 lines each, mostly acknowledging my updating them. I am presuming this 'fee' is for solicitor intervention, but their letter in September clearly states I would be liable for costs only if the court hearing etc were actioned. Attempting to clarify with Rooftop but obviously I want the sale to go through as quickly as possible - can I pay/protest now and then contest this charge 'after the settlement'? Possibly by going to the Finnacial Ombudsman?

Hi, can someone help me or offer some advice with Rooftop Mortgages please. I have a buy to let with them that I took out in 2006. Over the course of the loan i've had problems with tenants, got into arrears, cleared them etc, but as most people know with BTL properties this can happen frequently. In April I was around £1271 behind (current mortgage payment around £290) they then appointed receivers. I sent proposals to clear the arrears via email to the receivers and in post to Rooftop. They never responded. I have since paid all the arrears in full, now Rooftop have stated they want around £4000 worth of arrears paid immediately. The receivers told me that if I paid the fees, they would stand down, however, since that email they have sent an eviction notice to my tenant (my sister) I have 3 complaints ongoing with rooftop at present. One, where I have asked for a copy of my original mortgage, the use of receivers and their practice and I have disputed the charges. They have stated they need more time to respond. I sent another formal complaint Thursday, regarding their continued use of receivers and the fact they do not appear to be working alongside each other. I have sent another one today complaining of the fact they are instructing the receivers to vacate my tenant and return the house with vacant possession, yet not concluding my complaint, and resolving the charges dispute in order for me to clear them anyway. They have told my tenant to be out by the 17th October or they will change the locks. I've always been relatively good with finance but I must admit this is starting to wear me down. How can I pay any fees when the amount is is dispute? I've also been told fees cannot be classed as arrears yet rooftop are still continuing to pursue it? They are also stating the current rental income (£80 pw) is not sufficient to service the mortgage (£290 pm) but as i've said in a letter today I can increase the rent as and when would be necessary. They are trying to take the house from under me. I thinkg they will delay dealing with my complaint in 8 weeks, so that during this time they can vacate my tenant and get the house back. Does anyone have any advice they could offer please? Am I able to take this to a court myself? Thank you

Please can anyone give us advice... Back in 2009 we were in arrears with rooftop mortages and it went to court - we were give a suspended possession order and had to pay back £100 on top of our monthly payment which we kept up with well at first but did struggle to pay on occassions, called rooftop explained and was told it was fine each time. A couple of weeks ago rooftop sent us a letter saying we were £700 pound odd behind with this order so we requested statements to check the amount was correct, we did and it was - called and said we couldn't pay it all at once and also that this month we would be late paying our monthly payment but paid the £240 we could pay then. They told us this was fine and that they would not take our home over a small amount like that. Today we got letters saying that as the order from 2009 has not been adhered to they are putting in at court for a warrant for possession of land and that we will be notifed in due course of the eviction date. We have been staying with family a couple of days and have just arrived home to find the letters hence why I am on here so late Please can anyone advise if this can be stopped and what we need to do, I can't lose our home, im so stressed and upset and don't know what to do Been looking on the interenet and am getting so confused Thanks so much

Hi All Wonderful site, so much wealth of information. Short background I had a eviction notice for 5th July 2012, has a hearing on 3rd July 2012, Rooftop did not show up in court. Judge postponed and requested to my advocate that I should write a letter of proposal and solictors letter for the potential buyerand submit to court by tomorrow. I am in the process of preparing a letter but am finding it difficult. Please can anyone help me prepare a letter to the court as I am having problems with the wording. We do want to remain in our property but if the judge says no we do also have a buyer we just don't want to be reposeeseed.