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Shared Appreciation Mortgages


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Both my parents have now passed away and they had a SAM (shared appreciation mortgage) with Barclays. They borrowed 25% (£20,625) on the property which was valued at £82,500. I have got to give barclays 3 x the loan plus 75% of any appreciation. The property is now worth approximately £220,000. Unfortunately it is legal, but in my opinion highly IMMORAL. Research has shown that they supposedly sold the loans on but every yearly statement they received was on Barclays headed paper. My question is, if they sold it on why is it on Barclays headed paper?? is that legal??

Is there any way to fight this?? Any advice would be much appreciated.

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