Jump to content
  • Tweets

  • Posts

    • Thank you BankFodder    Please can Andyorch advise me how to make the application and what to attach I will send this off tomorrow after 3pm, I can post up the final version here of what I need to send and send this on Monday if I know what I am required to do and what I now need to send to the Court to deal with this matter fully   Thank you so much to you both
    • I think you should probably follow the approach suggested by @Andyorch who is probably more up-to-date on these things and I am
    • Hi, we have managed to agree terms with this creditor, thankfully and finally.   Now we face another problem...my husband was declared bankrupt in 2018 by another creditor. Long story short, it's now in the hands of a trustee.  They have apparently completed a driveby valuation which is higher than the first creditor mentioned previously so the trustee believes there is more equity for them to take.  Our property is leasehold with a 54 year lease so tricky to value.  We made an offer based on the first creditors valuation which was rejected by the trustee because, guess what, their valuation stands. So, I am now fighting again to save our home. Is there anything we can do to challenge the valuation and suggest the equity isn't as high as they think it is? Will a trustee be brutal enough to effectively push us into a homeless situation during a global pandemic because raising the funds they are seeking, is somewhat out of reach? Any help is gratefully received. Thank you.
    • Hi Andyrorch and BankFodder   I have just read up the posts, I am confused as to what to do, please can I be advised which route to go finally and how this is done, based on the advices to date.   I will be able to look into this tomorrow as I am off work most of the day tomorrow after 3pm   Thank you
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

cold calling mortgage broker - strange

Please note that this topic has not had any new posts for the last 4508 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts



For the fourth time I have been getting these calls from some "mortgage broker". They call my mobile phone using this number 0203145133164, which is unlisted and not recognised by any phone company(I think its offshore). Anyway an Indian sounding guy goes over my details and tells me that the value of the property, based on the mortgage and secured loan is way over the mark. Lets say my mortgage and sec loan combined is 220,000, they would tell me that I should say 280,000. Then the first person passes me on to another Indian sounding guy who confirms these details and strangely asks me what the property value is, to which I have to reply what the first guy said. Then they pas me onto an english sounding guy who tells me that they will send me details by post of new figures that would reduce my combined motgage/sec loan monthly outgoing by quite a lot, never telling me how much. So the English sounding guy says that he will call me back straight away as the phone he is using has not got good reception, to which he hangs up and thats it no call back. Like I said this has happened four times. What gives? :confused:

Anyone else experienced this nonsense before and what is their agenda?

Link to post
Share on other sites

Well... without them telling you who they are, or writing to you, why are you even listening to them??


IF you happen to be looking for a mortgage broker, then look for one yourself.. don't trust anybody who just happens to call.


If I get cold called, I just tell them its up to ME what I decide to buy, and I don't need anybody else to tell me what they think I should buy... whatever it is.

Link to post
Share on other sites

GNI03349 - you are absolutely right. Why have I wasted my time with these people four times, I suppose because I was curious, and I actually did tell them to get lost the third time around. Its just strange the way they do it and was just wondering if anyone else has had a call like this. I cannot be the only one. I will ignore their calls from now on though. Thanks for the kick in the teeth wake up call, GNI!!:grin:

Link to post
Share on other sites

Lol... you're welcome :D.


Like I say, when I get cold called, I just ask them why they think I need what they wanna sell. I also mention that, as they don't know the first thing about me, or my lifestyle etc etc, why on earth do they think I need their wares. They go away then.. usually.. but if not I find a swift "f**k off" usually helps too lol.

Link to post
Share on other sites

Cold calling for mortgages in the UK has been banned by the Financial Services Authority and they can levy severe fines. However, the FSA cannot control calls from abroad. I suspect someone has set up an 'office' outside the UK to make initial contact (not illegal), and after a dialogue you are eventually passed to the 'real' man. He claims phone trouble and asks you if it is alright to call you back. You reply in the affirmative, and consequently the call is no longer 'cold' as you have requested him to call you! If a mortgage broker is any good then he/she should not have to revert to such shoddy practices.

Link to post
Share on other sites

You are right it doesn't make sense. Failing to follow up the lead wastes time and money, or perhaps your Loan To Value was too high to consolidate? Have you checked your phone bill to see how much the 0203 call cost?



Link to post
Share on other sites

MortgageTalk, the thing is they call me on my mobile, I never call them, I can't. That number cannot be reached.. and I don't think it is a reverse charge call either. I have a pay as you go phone. While on the call, I tell them that they cannot give or guess an outlandish amount on a property when a valid valuation shows a truer value. However they insist that it would be ok and the rest is history. I just don't know, but I agree it looks shoddy and underhanded, and I will tell them to go away in no uncertain terms.

Edited by benjy48
Link to post
Share on other sites

Weird! Unless they are trying to obtain confidential information for cloning identities? Personally, I would never provide personal and confidential information over the phone unless I knew the identity of the caller, and even then I would still be wary!




Please note I am commenting on posts in general and not providing individual mortgage advice or recommendation, which would require precise details of your circumstances.

Link to post
Share on other sites

Hi all,


I get these calls all the time. Like you say it is a Indian speaking guy who reckons he is calling on behalf of all the National banks and about how high my interesy rate is and how it can be lowered. I do have fun with these people.


ERM sorry but you have the wrong number. Sounds so simple but they are convinced they have the right number and are baffled. Even my 11 year old wants todo his Mrs Doubtfire impression on them just to confuse them.


Usually i dont answer as I have caller ID.

Next Directory £215 NO CCA ***WON***


Littlewoods Visa*** WON ***


Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA



Bank of Scotland Prefernce account £296



also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000


Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...